Compare Your Medicare Supplement Options - Lehigh Partners

Lehigh Partners Senior Benefits

Understanding Medicare Supplement Policies

Welcome to Lehigh Partners Senior Benefits, your trusted source for Medicare Supplement policies, also known as Medigap. If you're looking for comprehensive coverage to supplement your Medicare, you've come to the right place. Our team of experienced professionals is here to guide you through the process and help you find the perfect policy tailored to your specific needs.

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COMPARE PLANS FOR THESE TOP COMPANIES AND MORE

Health care costs in retirement a worry? You're not alone.

Medicare is great, but it was never intended to pay all Medical expenses.

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)

Explore Medicare Supplement Policies with Lehigh Partners Senior Benefits

Lehigh Partners Senior Benefits offers Medicare Supplement policies, which are private health insurance companies. These plans help pay for expenses like deductibles, copayments, and coinsurance that are not covered by Original Medicare. They give you reassurance that your healthcare costs are taken care of. Our range of standardized policies, labeled A to N, allows you to pick the one that fits your needs and budget best.

Book Your Free Consultation Now to Learn About Medicare Supplement Options!"

Highlighting the Benefits of Medigap

Freedom to choose your doctors

You control and choose the physicians who you trust for your care.

Benefits stay the same

You always know what benefits are with these standardized plans.. on surprises or re-evaluations year-after-year.

Portable coverage

You are not restricted to use a network or health care providers. If you move or travel your coverage goes with you

Guaranteed renewable

No worries of reduced benefits or canceled coverage for the live of the policy, as long as the premiums are paid.

Here's how Medicare Supplement plans have helped our clients manage their healthcare costs effectively

John L.

Easton, Pennsylvania

John, a retired individual, was worried about the out-of-pocket costs associated with hospital stays and skilled nursing care. By enrolling in the right Medicare Supplement plan, he gained peace of mind knowing that his medical expenses would be covered, allowing him to focus on his recovery and well-being. John's experience demonstrates how Medigap plans can provide comprehensive coverage and financial security for individuals like him.

Maria S.

San Antonio, Texas

Maria, new to Medicare, found the perfect solution with a Medicare Supplement plan, offering her the freedom to choose doctors without network constraints. By enrolling, she accessed preferred healthcare providers confidently, locally and beyond, with peace of mind knowing costs were covered. Her experience showcases how Medicare Supplement plans empower individuals to manage healthcare freely and seamlessly.

Gail B.

Geneva-on-the-lake, Ohio

Gail, a long-time Medicare Supplement plan holder, discovered she had been overpaying for the same plan type with another company. Fortunately, Lehigh Partners Senior Benefits stepped in and made the transition to a more cost-effective plan seamless and easy. Their expertise and support empowered Gail to optimize her coverage without the unnecessary financial burden, showcasing how Lehigh Partners Senior Benefits brings real value to Medicare Supplement holders.

Why Choose Lehigh Partners Senior Benefits:

At Lehigh Partners, we pride ourselves on being experts in the field of Medicare Supplement policies. With years of experience assisting seniors, we understand the unique challenges you face and are committed to providing the highest level of support and service.

By choosing Lehigh Partners Senior Benefits for your Medicare Supplement policy, you can expect:

Personalized Guidance: Our team of knowledgeable professionals will guide you through the process of choosing a policy, ensuring that you understand all available options and helping you make an informed decision.
Competitive Rates: We offer competitive rates on our Medicare Supplement policies, ensuring that you get the coverage you need at a price that fits within your budget.
Wide Coverage Network: Lehigh Partners Senior Benefits works with a vast network of healthcare providers, giving you the freedom to choose the doctors and hospitals that are right for you.
Exceptional Customer Support: We believe in providing exceptional customer support every step of the way. Our dedicated team is always available to answer your questions and address your concerns.

Book Your Free Consultation Now to Learn About Medicare Supplement Options!

Get Started with Medicare Supplement

Take the first step towards securing your healthcare with a Medicare Supplement Policy by scheduling an appointment with Lehigh Partners.

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Popular Medicare Supplement Plan Benefits at a Glance

Plan Benefits	Plan A	Plan G	Plan K	Plan N
Medicare Part A coinsurance and coverage for Hospital Benefits				$20 copay for office visits: $50 copay for ER
Medicare Part B coinsurance or copayment			50%
Blood (first three pints)			50%
Hospice Care coinsurance or copayment			50%
Skilled Nursing Facility Care coinsurance			50%
Medicare Part A deductible			$50
Medicare Part B deductible	Cell	Cell	Cell	Cell
Medicare Part B excess charges	Cell		Cell	Cell
Foreign Travel Emergency (up to plan limits)	Cell		Cell	Cell

In most states, policies are standardized into plans labeled A through N. All policies cover basic benefits, but each has additional benefits that vary by plan.

Medicare Supplement insurance plans A through G generally provide benefits at higher premiums with limited out-of-pocket costs compared to plans K through N. Plans K through N are cost-sharing plans offering similar benefits at lower premiums with greater out-of-pocket costs. Some companies may offer additional innovative benefits.

Effective Jan. 1, 2020, plan options C, F and High Deductible Plan F are only available for purchase by applicants first eligible for Medicare prior to 2020.

Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

Coverage may be limited to Medicare-eligible expenses. Benefits vary by insurance plan and the premium will vary with the amount of benefits selected. Depending on the insurance plan chosen, you may be responsible for deductibles and coinsurance before benefits are payable. These policies have exclusions and limitations; please call your agent/producer or Humana for complete details of coverage and costs.

Understanding Medicare Supplement Plans

When exploring your Medicare Supplement options, it's essential to understand the different plans available to ensure you select the one that best fits your healthcare needs. At Lehigh Partners Senior Benefits, we offer a range of standardized Medicare Supplement policies labeled A to N, each providing unique coverage options and benefits to consider.

Key Factors to Consider When Choosing a Medicare Supplement Plan:

Coverage Options: Medicare Supplement plans help pay for expenses like deductibles, copayments, and coinsurance that are not covered by Original Medicare. It's important to choose a plan that aligns with your healthcare needs and budget.
Eligibility: To be eligible for a Medicare Supplement plan, you must be enrolled in Original Medicare (Part A and Part B). It's recommended to apply for a Medicare Supplement plan during your Open Enrollment Period to secure guaranteed issue rights.
Plan Comparison: Compare the benefits offered by each Medicare Supplement plan (A to N) to determine which one provides the coverage that best suits your medical requirements. Consider factors such as monthly premiums, out-of-pocket costs, and coverage limits.
Network Flexibility: Unlike Medicare Advantage plans, Medicare Supplement plans do not restrict you to a network of healthcare providers. This means you can choose any doctor or hospital that accepts Medicare patients, providing you with greater flexibility in accessing healthcare services.
Cost-sharing Options: Medicare Supplement plans with higher premiums often offer lower out-of-pocket costs, providing more comprehensive coverage. On the other hand, plans with lower premiums may require you to pay higher deductibles and copayments.

Overview of Medicare Supplement Plan Benefits:

Plan A: Basic benefits, including coverage for Medicare Part A coinsurance and hospital benefits.
Plan F: Comprehensive coverage, including coverage for Medicare Part A and Part B coinsurance, deductibles, and excess charges.
Plan G: Similar to Plan F but does not cover the Medicare Part B deductible.
Plan K: Moderate level of coverage, offering cost-sharing benefits and partial coverage for certain expenses, making it a suitable option for those seeking affordable out-of-pocket expenses.
Plan N: Coverage for Medicare Part A coinsurance, skilled nursing facility care, and a cost-sharing model for some services.

Understanding the nuances of each Medicare Supplement plan is crucial in selecting the appropriate coverage that meets your healthcare needs and financial considerations. Our team at Lehigh Partners Senior Benefits is here to provide personalized guidance and expert advice to help you navigate through the Medicare Supplement options and find the plan that offers you the best value and protection.

How to Get Started with Medicare Supplement

Start securing your healthcare with a Medicare Supplement policy from Lehigh Partners Senior Benefits by contacting us for a personalized consultation or quote. Our team will assess your needs and provide options that match your healthcare requirements and financial situation. Call 833-265-9655 or schedule an appointment to learn more about our Medicare Supplement policies.

Don't wait—let Lehigh Partners Senior Benefits help you find the right Medicare Supplement policy for the coverage and peace of mind you need. Your health and wellbeing are our top priorities, and we are here to support you every step of the way.

Book Your Free Consultation Now to Learn About Medicare Supplement Options!.

* “Medicare Current Beneficiary Survey,” Centers for Medicare & Medicaid Services, (Released in September 2020 in the “Older Americans 2020 Key Indicators of Well-Being”). Data is inflation-adjusted to 2017, using Consumer Price Index. This includes costs for physician services, prescription drugs, hospital care (inpatient and outpatient), home health care, preventive services, short-term care and long-term care and hospice care

Find answers to some of your Medicare Supplement questions

What is Medicare Supplement and how much coverage do I need?

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.

Does a Medicare Supplement Insurance plan replace Original Medicare Part A and Part B?

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.

What costs are associated with Medicare Supplement?

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.

How do I decide which Medicare Supplement plan is right for me?

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.

When can I apply for Medicare Supplement Insurance?

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.