Typically, in Original Medicare, you are responsible for some of the costs regarding covered medical services. However, Medicare Supplement Insurance, commonly known as Medigap, is additional insurance that you can purchase from a private company to assist in covering your share of expenses.
Medigap policies, named A-N in most states, are standardized. Compare the benefits offered by each plan and select one that covers your specific needs.
Medigap plans provide different levels of coverage, from basic to comprehensive, including options like foreign travel emergency and Part B excess charges. Consulting a licensed insurance agent is helpful in selecting the right plan, considering that policies with the same letter from different companies have identical coverage but varying prices.
To obtain an accurate quote and ensure the most up-to-date pricing, reach out to a licensed agent from the insurance company. Prices can fluctuate based on factors like purchase timing and health conditions. When ready to purchase, consult with a Medicare specialist agent.
Firstly, Medicare Supplement insurance plans do not have any provider networks, ensuring applicability to any physician or hospital that accepts Medicare. Secondly, Plan A, B, C, F, G, K, L, and N's basic benefits remain consistent across every insurance company (refer to the chart below). However, selective companies, like Humana, may provide additional benefits. Take some time to reflect on the differences between companies, the quality of service and price to assess your options more thoughtfully.
To buy a Medicare Supplement plan, you must be enrolled in Medicare Parts A & B, you must live in the state where the policy is offered, and be age 65 or over or, in some states, under age 65 with a disability or end-stage renal disease.
In general, Medicare Supplement plans do not provide coverage for long-term care such as nursing home care, vision or dental services, hearing aids, private duty nursing, or prescription drugs.
The Medicare Supplement Open Enrollment period starts on the first day of the month when you turn 65 or older and are enrolled in Medicare Part B. In select states, you can purchase a plan from the very first day of your enrollment in Medicare Part B, even if you haven't reached the age of 65 yet.
If you meet specific criteria, such as applying during your Medicare Supplement Open Enrollment Period or qualifying for guaranteed issue, insurance companies cannot consider your medical history when determining your eligibility. Please note that regulations may differ in some states.
Licensed sales agents are ready to help guide you through the process of choosing the coverage that is best for you.
Call 1-833-265-9655
TL;DR – Top Medicare Mistakes to Avoid When Turning 65 Choosing a plan based only on the premium: $0 Medicare Advantage plans often come with hidden costs. Missing the Medigap open enrollment window: After 6 months, you could be denied or charged more. Thinking COBRA protects you: It doesn’t delay your need to enroll in
Read More✅ TL;DR: Medigap Plan G offers the most comprehensive Medicare Supplement coverage available in 2025. It’s not the cheapest, but it helps you avoid surprise bills, see any doctor who accepts Medicare, and enjoy predictable healthcare costs. For many turning 65, it’s the safest long-term choice. Plan G costs how much?! Medicare decisions can feel
Read MoreThe $1,200 Wake-Up CallA few years back, I got a call from a woman named Janet who had just retired after 40 years in education. She was sharp, organized, and had always handled her benefits like a pro. But that call wasn’t a happy one.She was sitting at the pharmacy counter, trying to pick up
Read MoreIt Starts the Way It Always Does…You’re turning 65. The mailbox is overflowing. Your phone won’t stop ringing. You can’t even watch Judge Judy without hearing about free flex cards and $0 premiums. Suddenly, you’re the most popular person in the Medicare universe.It’s not just confusing — it’s exhausting. Every flyer screams urgency. Every call promises savings.
Read MoreTurning 65 Medicare: Choosing between Medicare Advantage and Medigap Plan G is a pivotal decision for individuals approaching 65. This guide aims to clarify both options, helping you make an informed choice tailored to your healthcare needs and financial situation.Medicare Plan Comparison Example: Meet Jane, Age 65If you’re turning 65 and trying to make sense
Read More✅ TL;DR: Plan G offers more comprehensive coverage with higher premiums, covering Part B excess charges and eliminating most copays. Plan N has lower premiums but includes copays for doctor and ER visits and doesn’t cover Part B excess charges. Choose based on your healthcare usage and budget preferences. Plan G vs Plan N is
Read MoreCall us
Call Lehigh Partners at 1-833-265-9655
Licensed insurance agents are available to help you through enrollment and beyond.
Tags
How is Medicare Advantage Open Enrollment different from Medicare Annual Enrollment?When it comes to Medicare, there are multiple enrollment periods throughout the year that beneficiaries need to be aware of. Two of the most important enrollment periods are the Medicare Annual Election Period (AEP) and the Medicare Advantage Open Enrollment Period (OEP). While these two
Read MoreTypically, in Original Medicare, you are responsible for some of the costs regarding covered medical services. However, Medicare Supplement Insurance, commonly known as Medigap, is additional insurance that you can purchase from a private company to assist in covering your share of expenses.List of Steps Step 1Learn about the different plan typesMedigap policies, named A-N
Read MoreExploring Foreign Travel Emergency Coverage with Medicare Supplements Traveling overseas is an exciting experience, but it’s crucial to prioritize your health and well-being while exploring new destinations. One aspect to consider is how travel insurance works with Medicare, especially when it comes to foreign travel emergency coverage with Medicare supplements. In this article, we will delve
Read MoreWhen it comes to navigating the intricate world of healthcare, one thing becomes abundantly clear – there is no one-size-fits-all solution. This rings particularly true for Medicare plans and Medicare supplement policies. The effectiveness of these offerings varies significantly based on individual needs, making personalized coverage an essential element in ensuring comprehensive and tailored care. Medicare,
Read MoreAre you looking for a Medicare plan that goes beyond what traditional Medicare offers? Look no further! Medicare Advantage Plans are here to transform your healthcare experience, providing comprehensive coverage, added benefits, and convenience all in one package. Enroll online today and take control of your health and well-being!Discover the benefits of enrolling in the
Read MoreMedicare and Medicaid are two separate, government-run programs. They are operated and funded by different parts of the government and primarily serve different groups. Medicare Medicare is an insurance program. Medical bills are paid from trust funds which those covered have paid into. It serves people over 65 primarily, whatever their income; and serves younger
Read MoreMedicare Plan Checklist, is a simple tool that could help you decide whether you may want to look for a different plan
Read More