Experience Unmatched Security with Medicare Supplement Plans
Let our experts guide you to the ideal Medicare supplement plan that fits your unique healthcare requirements and ensures reliable coverage
Medicare Doesn't Cover Everything
- Medicare only covers certain healthcare costs, leaving you responsible for copayments, and coinsurance.
- Medicare Parts A & B lack out-of-pocket max, leading to potentially high annual expenses.
- Medicare requires out-of-pocket payment for deductibles.
- Medicare Part B only covers about 80% of your medical expenses.
- Medicare Advantage plans may limit providers and exclude unforeseen costs.
COMPARE PLANS FOR THESE TOP COMPANIES AND MORE
Lehigh Partners Senior Benefits and Medicare Supplement as the solution for your needs.
A Lehigh Partners Senior Benefits, our team understands how hard it can be to figure out Medicare. We help people find the right Medicare Supplement that fits their needs to make things easier. Our goal is to make sure you have the best coverage for your health and finances.
Elevate Your Medicare Supplement Experience with Lehigh Partners Senior Benefits
Here's 3 reasons why
1. Financial Stability
With Lehigh Partners Senior Benefits, you can rest easy knowing that your Medicare Supplement coverage is tailored to protect your finances – ensuring that unexpected medical expenses won't derail your budget.
2. Personalized Support
Our team provides personalized assistance to help you navigate through the complexities of Medicare coverage. We are here to guide you, ensuring that you understand your options and can make informed decisions.
3. Peace of Mind
By working with us, you can have peace of mind knowing that you have Medicare Supplement coverage that is designed to support your health and well-being, giving you the freedom to focus on what really matters.
How it works:
step 1
SCHEDULE AN APPOINTMENT
Book a telephone call with us to discuss your insurance goals. We'll focus on you and how we can help you reach them.
step 2
WE'LL FIND THE RIGHT MEDICARE SUPPLEMENT
We'll find the best plan for your needs and budget. We will guide you through the process to ensure comprehensive coverage and peace of mind.
step 3
GET THE COVERAGE THAT WORKS FOR YOU
At Lehigh Partners Senior Benefits, we aim for a "happily ever after" ending. Expect tailored insurance solutions that align with your goals, providing security and confidence for the future.
Find answers to some of your Medicare Supplement questions
Medicare Supplement insurance plans (also known as Medigap plans) are offered by private insurance companies to help pay some of the out-of-pocket costs that Original Medicare (which includes Part A and Part B) doesn't pay. Some plans pay most of your out-of-pocket costs, but have a higher monthly premium. Other plans pay fewer out-of-pocket costs, but have a lower monthly premium. Benefits and costs vary depending on the plan chosen.
No. A Medicare Supplement insurance plan works with Original Medicare, which includes Part A and Part B. It helps cover some of the out-of-pocket health care costs that Original Medicare doesn't pay for. For instance, Medicare Part B generally covers about 80% of Part B expenses. You're responsible for paying the rest. A Medicare Supplement insurance plan could help pay your share.
Your costs can include the following:
Monthly Premium
This is the fee you pay to the plan in exchange for coverage. Each Medicare Supplement insurance plan has a different monthly premium.
Deductible
This is the amount you pay out-of-pocket for covered services before Medicare and/or your Medicare Supplement plan begins to pay. It's a pre-set, fixed cost. Most Medicare Supplement plans provide coverage for your Medicare Part A hospital deductible. In most cases, you're responsible for your Medicare Part B deductible.
Copay/Coinsurance
These are kinds of cost sharing. A copay is a set, flat amount paid each time, such as a $20 copay for each in-office doctor visit. Coinsurance requires you to pay a percentage of the Medicare-approved amount each time.
Out-of-Pocket Limit/Maximum
This is a maximum amount of out-of-pocket costs you pay per calendar year. Since Medicare Parts A & B don't have an out-of-pocket maximum, your out-of-pocket medical expenses could add up to hundreds or thousands per year. Medicare Supplement plans are designed to help cover some of these costs.
Your health needs and budget will help you decide which Medicare Supplement plan might be best for you.
Prefer to have more coverage and less out-of-pocket expenses?
If yes, then plans G, C, or F may be right for you. These plans typically have a higher premium and offer the most supplemental coverage, paying up to 100% of your out-of-pocket costs for many Medicare-approved services (depending on the plan).
Prefer to have a lower monthly premium with out-of-pocket expenses based on your needs?
If yes, then explore other Medicare Supplement plan options that may be right for you.
You can apply for a Medicare Supplement insurance plan any time during the year. The best time to enroll is during your Open Enrollment period. The Medicare Supplement Open Enrollment period is the six-month period that starts the first day of the month in which you are age 65 or older and enrolled in Medicare Part B. Some states may have additional open enrollment periods, including those for people under 65, and there may be other situations in which your acceptance may be guaranteed.
You can work with an agent/producer to obtain Medicare supplement insurance or Medicare Advantage coverage. Work with an agent
Ready to get Started?
Let our experts guide you to the ideal Medicare supplement plan that fits your unique healthcare requirements and ensures reliable coverage
Medicare Supplement insurance gives you more choices.
When you're looking for the right healthcare plan, it might require some studying and investigating. But, with Medicare Supplement plans (also called Medigap), you can include extra coverage to your Original Medicare and have more predictable costs. These plans help you prepare for future Medicare expenses and allow you to stay in charge of your healthcare decisions.
Get the coverage you need.
The average retiree on Medicare now has more than $18,620 in yearly health care costs, with only 50% of them being covered by Medicare.* For even the most financially savvy American, these costs add up quickly.
That’s where Medicare Supplement coverage comes in. It helps pay Medicare-approved services not fully covered by Medicare.
What does Medicare not cover?
- The Medicare Part A Deductible
- The Annual Medicare Part B Deductible
- Generally 20% of covered Medicare-approved charges in excess of the Part B Deductible
- Unassigned Part B claims in excess of theMedicare-approved amount (not to exceed thelimiting charges)
What are Medicare Supplement plans?
How Medicare Supplement plans work with Original Medicare
Once you understand the different parts of Medicare and what they cover, it's easier to see how Medicare Supplement plans - also known as Medigap - can help.
Medicare Part A + Part B
Original Medicare
Highlights:
Conclusion:
Typically, Medicare Part B only covers about 80% of your medical expenses.
Part C
Highlights:
Conclusion:
Many plans restrict you to certain providers and may not cover unexpected expenses.
Part D
Highlights:
Conclusion:
You can purchase a Part D plan along with a Medicare Supplement plan for more complete coverage.
Medigap
Medicare Supplement
Highlights:
Conclusion:
A Medigap plan can help limit your out-of-pocket costs, which could add up quickly.
How can a Medicare Supplement help me?
Fill the gaps of Medicare
The out-of-pocket cost not paid for by Original Medicare could add up to thousands of dollars a year. With the predictability of a Medicare Supplement Plan it'll be easier to plan your budget.
There are a variety of Medicare supplement plans available, with Plan G being the most popular since it offers the most comprehensive benefits. Coinsurance and hospital cost are covered at 100% and your only responsibility could be the annual Medicare Part B deductible.
Here's how Plan G could cover costs not paid by Original Medicare | ||
|---|---|---|
What you pay with Original Medicare alone | What you pay with Original Medicare + Medicare Supplement Plan G | |
Cell | ||
Part A hospital Deductible | $1,676 | $0 |
Part B medical deductible | $257 | $257 |
Days 61-90 in the hospital | $419 a day | $0 |
Days 21-100 in a skilled nursing facility | Upp to $209.50 a day | $0 |
Cell | ||
The biggest benefit is peace of mind.
With a Medicare Supplement Plan, you'll avoid shopping or renewing your plan each year, needing to find a new doctor, or unexpected network changes. Once you are enrolled, you're set.
Empower Yourself with Medigap and Enhance Your Healthcare Experience!
Predictable Costs and Low Copay Plan Options
More predictable out-of-pocket costs, and plan options with low copays
Freedom to choose your doctors
Like your current doctor? Keep seeing them if they accept Medicare patients
Portable coverage
Plans travel with you through out the U.S., so you can get care on the road
Guaranteed renewable
Get guaranteed coverage for life. Your plan can't be canceled because of your age, health or number of claims you make
Discover how Medicare Supplement plans can Benefit Me
Feature | Function | Benefit |
|---|---|---|
Comprehensive Coverage | Fills gaps in Original Medicare coverage, including co-payments, deductibles, and co-insurance for services | Ensures I have access to a wide range of essential healthcare services without worrying about excessive out-of-pocket costs |
Flexibility to Choose Providers | Allows me to visit any healthcare provider nationwide who accepts Medicare patients, without the need for referrals | Offers me the freedom to receive care from the doctors and specialists I trust, ensuring personalized healthcare experiences |
Predictable Costs | Provides consistent coverage for healthcare expenses, offering clarity on out-of-pocket costs | Helps me budget effectively and plan for medical expenses without facing unexpected financial burdens |
Guaranteed Renewability | Ensures that my coverage cannot be canceled as long as I pay my premiums, regardless of any health conditions I may develop | Provides me with long-term security and peace of mind, offering continuous access to essential healthcare benefits |
Travel Coverage | Some plans include emergency medical coverage during foreign travel | Offers peace of mind when I travel abroad, knowing that I have support in case of a medical emergency |
Timing for enrollment
Around age 65, you have your Medicare Initial Enrollment Period (IEP). It is 7 months long and includes your 65 birthday month, the 3 months before and the 3 months after. This is the best time to enroll in Medicare Parts A and B, Medicare Advantage (Part C) or a Medicare Supplement Plan.
Ready to add the benefits of a Medicare Supplement plan?
Apply today. Lehigh Partners Senior Benefits agents/brokers are ready to help: 1-833-265-9655
Ready to talk to a Licensed agent/producer?
Call Lehigh Partners Senior Benefits
1-833-265-9655.
Try these questions to get the conversation started:
- What do I need to know when comparing Plans
- How do I know if I am eligible?
- What if I have a pre-existing condition?