Medicare Supplements

Medicare Supplements | Best Advice Medicare

Medicare Supplements/Medigap

Want to have little to no copays? Medicare Supplement plans help pay for your share of Medicare expenses. You might be surprised to know that Medicare only covers roughly 80% of your expense. You are responsible for the additional 20%. Schedule an free consultation to learn more about Medicare supplement plans and how you can avoid paying 20% of your medical expenses.

10 things to know

Benefits of a Supplement

Picking a Medicare Supplement Plan can be a difficult but wise investment and has many benefits:

Freedom to choose your doctors and hospitals.
No referrals are required to see a specialist.
Predictable out-of-pocket expenses for Medicare-covered services (and zero out-of-pocket with Plan F)
Nationwide coverage – you can use it anywhere in the United States
Guaranteed renewability – the insurance company, can never drop you or change your coverage due to a health condition.

Below we walk you through our top 3 plans along with additional plan options.

Overwhelmed? We can help, contact us and we can find you the right Medicare Supplement Plan to meet all of your needs.

Plan G

The G Plan offers a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything.

If Plan G sounds like the best plan for you, contact us and we can walk you through the process of enrolling.

Plan F

Plan F offers a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs such as coinsurance, copayments, and deductibles up to the deductible amount of $2,340 in 2020 and $2,370 in 2021 before your policy pays anything.

Note: Plan F is not available to people who were newly eligible for Medicare on or after January 1, 2020.

If Plan F sounds like the best plan for you, contact us and we can walk you through the process of enrolling.

Plan N

Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission.

If Plan N sounds like the best plan for you, contact us and we can walk you through the process of enrolling.

Additional Plans

Plan C

A policy that covers nearly all of the Medicare gaps that you would usually be required to pay. The only exception is the Part B excess charges.
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Plan D

One of the ten Medigap options you can purchase to supplement your Original Medicare benefits. It is not to be confused with PART D, which is for prescription drugs. This plan covers most of the gaps in Medicare for you, except the Part B deductible and any excess charges.
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Plan K

Medicare Plan K is the Medicare Supplement covering the Part A hospital deductible while also covering about 50% of the other gaps in Medicare.
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Plan L

A cost-sharing Medigap policy. In exchange for slightly lower premiums than what you might pay for a Plan F, if you enroll in a Medigap Plan L, the insurance carrier will pay 75% of your covered medical expenses on most items, and you will pay the other 25%.
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Plan M

Slightly reduced monthly premium in exchange for your willingness to pay half of your hospital deductible and all of your annual outpatient deductible.
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