Medicare Supplement & Medigap Questions Answers & More

Medigap Providers - Medicare Supplement & Medigap Q&A

Medicare Supplement & Medigap Questions Answers & More

What is a Medigap policy?

A Medigap policy is a health insurance policy sold by private insurance companies to fill the “gaps” in Traditional Medicare Plan coverage. There are ten standardized policies called “A” through “J.” Each plan has a different set of benefits. Contact us for more information or to get Medigap quotes today.

If Medigap plans are standardized throughout the country, why do I need an agent?

Every state has its own modifications. And insurance companies offer different ranges of sticky-save-65-percent-medigapplans. More importantly, an agent is knowledgeable in the ways of the system and how they work in your state. He or she can help you assess your individual needs and match them to a Medicare supplement quote and plan that is best for you. Also, an agent provides the personal service and continuity of contact that you are unlikely to receive from large insurance companies. There is no additional cost for the services of an agent.

How do I know if I need to buy a Medigap policy?

If you, or you and your spouse, had health insurance from your employer prior to retiring, you may not need to pursue Medigap enrollment.

For example, state and federal retired employees have excellent supplemental coverage. However, if you are not sure, it’s best to inquire. Call your previous employer for specifics on the Medicare coverage you’re entitled to. Then, you can determine if supplemental coverage is required.

Are preexisting conditions covered?

Yes. Medicare provides full protection from the first day of coverage. Most Medigap plans waive preexisting waiting periods if a person enrolls when they are first eligible for Medicare.

Can I keep the same doctor I already have?

Yes. Traditional Medicare allows the free and open choice of physicians and hospitals. In addition, if you wish to see a specialist, no referral is needed. This is an important distinguishing feature of Traditional Medicare: free choice as opposed to having to select a doctor, or hospital in a managed care plan.

Is custodial care in a nursing home or at home covered?

Medicare does not cover custodial care in a nursing home or at home. Long term care in an assisted living facility or at home is also not covered by Medicare. Medigap plans D,G, I &J offer limited custodial care at home after discharge from hospital stay of at least 3 nights.

Are prescription medications covered by Medigap plans?

At present, most Medigap insurance plans include discounts on prescriptions, at no additional cost. As of January 2006, prescription coverage will be available to all Medicare beneficiaries. Be sure to ask your agent about these important changes.

What kinds of things does Medigap cover?

Coverage is dependent upon the type of Medigap plan selected. Generally speaking, Medigap will pay for out of pocket deductibles, as well as co-pays that Traditional Medicare does not cover.

Carriers Offered

AetnaAflacAmerican ContinentalAmerican Retirement LifeBlue Cross Blue ShieldCentral States IndemnityCignaCombined InsuranceContinental LifeEquitable LifeFamily LifeForeThoughtGerber LifeGovernment Personnel MutualHeartland NationalHumanaLoyal AmericanManhattan LifeMedicoMutual of OmahaNew EraOmaha InsuranceOxford LifePhiladelphia AmericanSentinel LifeSterling InvestorsSterling LifeStonebridge LifeUnited AmericanUnitedHealthcareUnited of OmahaUnited World

Medigap Plans

Medicare Supplement Plan AMedicare Supplement Plan BMedicare Supplement Plan CMedicare Supplement Plan DMedicare Supplement Plan F • Medicare Supplement Plan F High Deductible • Medicare Supplement Plan G • Medicare Supplement Plan K • Medicare Supplement Plan L • Medicare Supplement Plan M • Medicare Supplement Plan N

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