Medicare Supplement Plans
At Healthcare Solution Benefits, we’re here to make your Medicare journey simple, clear, and tailored to your unique needs. Let us help you find a Medicare Supplement Plan, that brings you peace of mind and fits your lifestyle.
Bridge the Gaps in Original Medicare
Did you know that Original Medicare (Parts A & B) doesn’t cover everything? It may leave you with unexpected expenses like copayments, deductibles, and co-insurance. Medicare Supplemental plans, also known as Medigap, fill in those gaps of Original Medicare.
The ABCs of Medigap:
Medicare Supplemental plans are standardized, which means Plan G offers the same great benefits regardless of what Carrier you choose. Let us help you understand the options and find one that best suits your needs and budget.
Here’s a breakdown of the different Medigap plans:
Plan A:
This plan covers the Medicare Part A deductible and coinsurance for hospital stays, skilled nursing facility care, hospice care, and home health care.
Plan B:
This plan covers everything that Plan A covers, plus the Medicare Part B deductible and coinsurance for doctor visits, outpatient care, and medical supplies.
Plan C:
This plan covers everything that Plan B covers, plus the Part B excess charges.
Plan D:
This plan covers everything that Plan C covers, plus the Part A deductible and coinsurance for skilled nursing facility care.
Plan F:
This plan covers everything that Plan D covers, plus the Part B deductible and coinsurance for doctor visits, outpatient care, and medical supplies.
Plan G:
This plan covers everything that Plan F covers, except for the Part B deductible.
Plan K:
This plan covers the Part A deductible and coinsurance for hospital stays, skilled nursing facility care, and hospice care.
Plan L:
This plan covers everything that Plan B covers, plus the Part B excess charges.
Plan M:
This plan covers everything that Plan B covers, plus the Part B excess charges.
Plan N:
This plan covers everything that Plan B covers, plus the Part B excess charges.
Frequently Asked Questions about Medicare Supplement Plans
What exactly is a Medicare Supplement plan?
Think of it like an extra layer of protection. Original Medicare (Parts A & B) is great, but it doesn’t cover everything. A Medicare Supplement plan (Medigap) helps pay for things like copayments, coinsurance, and deductibles that Medicare leaves behind.
Why do I need a Medicare Supplement plan if I already have Medicare?
While Medicare covers a lot, it doesn’t cover everything. Those gaps in coverage can add up quickly, especially if you have unexpected medical expenses. A Supplement plan helps you budget for healthcare costs and avoid surprise bills, giving you peace of mind.
Which Medicare Supplement plan is right for me?
That’s where we come in! There are different plan types (like A, G, N), each with varying levels of coverage. We’ll get to know your unique needs and budget, and work together to find the plan that’s the perfect fit for you.
When can I enroll in a Medicare Supplement plan?
The best time to enroll is during Medigap Open Enrollment Period, which starts when you enroll in Medicare Part B for the first time. This is usually when you are turning 65, leaving employer coverage to retire any time after the age of 65, or going onto Medicare through disability.
Will a Medicare Supplement plan cover my prescription drugs?
No. Medicare Supplemental plans help to cover out of pocket costs related to hospitalizations and outpatient services as well as including things like Durable Medical equipment and diabetes testing supplies. Prescription Drugs are covered under a Medicare Part D plan.
What if I already have a Medicare Advantage plan?
You cannot have both a Medicare Advantage plan and a Medicare Supplemental plan. Contact us if you are interested in learning about your options.
Can I change my Medicare Supplement plan later?
Yes, you can. If you’re not happy with your current plan or your needs change, you can switch during certain times of the year. We’re always here to help you review your coverage and make adjustments as needed.
How much do Medicare Supplement plans cost?
The cost varies depending on the plan you choose, the insurance company, and your location. We’ll work with you to find a plan that fits your budget and provides the coverage you need. Remember, we’re on your side!
Speak With A Medicare Expert.
Our dedicated team is committed to helping you fully understand all your Medicare options, not just finding the best fit. We’ll guide you through the ins and outs of each plan, ensuring you’re equipped to make informed decisions every step of the way.
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Your Questions, Our Priority
We’re here to answer any questions you may have, no matter how big or small. We’ll guide you through the complexities of Medicare and health insurance, ensuring you have the clarity and confidence to make informed decisions.
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Learn more about the products about the products and services we offer
Medicare Supplement Plans
Benefits of These Plans:
- Help cover out-of-pocket costs
- It can be used with any doctor or hospital that accepts Medicare
- Guaranteed renewable as long as premiums are paid
- Freedom to travel without worrying about network restrictions
Medicare Advantage Plans
Benefits of These Plans:
- Comprehensive coverage, often including Part D drug coverage
- Potential for additional benefits like vision, dental, and hearing
- May offer lower out-of-pocket costs compared to Original Medicare
- Care coordination and management programs for certain conditions
Medicare Part D Plans
Benefits of These Plans:
- Helps pay for prescription medication, making them more affordable.
- Wide range of plans to choose from, with varying formularies and costs
- Can be added to Original Medicare or included in a Medicare Advantage plan
Individual Health Insurance
Benefits of Personal Health Insurance:
- Financial protection against unexpected medical costs
- Access to essential healthcare services
- Choice of plans and providers
- Peace of mind knowing you have coverage for your health needs
Long Term Care
Benefits of Long-term Care Insurance:
- Financial assistance with long-term care costs
- Choice of care settings and providers
- Asset protection and financial security
- Relief for family caregivers
Dental, Vision & Hearing
Dental, vision, and hearing insurance plans provide coverage for services not typically covered by standard medical insurance. These plans help you maintain your oral health, vision, and hearing by covering routine exams, cleanings, treatments, and corrective devices.
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Join us at Healthcare Solution Benefits, Inc. as we journey towards better insurance solutions together. We're here to navigate your coverage needs with care, integrity, and personalized solutions just for you. Whether you're exploring policy options, need assistance with claims, or seeking expert advice, our dedicated team is by your side every step of the way. Let's collaborate to ensure you find peace of mind.