Medigap Plans

Fill In The Gaps Of Your Original Medicare Coverage

Medigap Plans

Medigap is Medicare Supplement Insurance that helps “fill in the gaps” in Original Medicare, meaning it covers what is not covered by Original Medicare. Sold by private companies, Medigap plans pay for most of the costs for covered health services and supplies. A Medigap policy can also help pay for some of the remaining health care costs like copayments, coinsurance, and deductibles.

Some Medigap policies cover services that Original Medicare doesn’t cover like medical care when you travel outside of the U.S. If you have Original Medicare and you purchase a Medigap policy, Medicare will pay its share of the Medicare-Approved Amount for covered health care costs and then your Medigap insurance company pays its share.

Seniors with Medigap Plans

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Here are some things to know about Medigap Policies:

  • You must have Original Medicare (Part A & B).
  • You are responsible for paying the private insurance company a monthly premium for your Medigap policy, which is in addition to the monthly part B premium you pay to Medicare.
  • A Medigap policy covers only one person. If you and your spouse both want Medigap coverage, you’ll each have to buy separate policies.
  • Any standardized Medigap policy is guaranteed renewable, regardless of health condition.

 

Medigap Supplement Plans do not cover the following:

  • Retail Prescription Drugs
  • Dental Exams
  • Eyeglasses
  • Contacts
  • Vision Exams
  • Hearing Aids & Exams
  • Long-term/custodial care

 

A Medigap plan might be right for you if:

  • You don’t mind paying a higher monthly premium but paying less—or nothing—when you get medical care.
  • You reside outside of Florida for more than a month each year and want to seek routine health services when you’re away.
  • You don’t want to worry about staying in-network for your services to be covered, because Medigap plans don’t use networks.
  • You don’t mind having a stand-alone Part D prescription drug plan.

How do you know if you need a Medicare Supplement Plan?

Medicare Supplement (or Medigap) insurance plans are standardized across the nation, except in Massachusetts, Minnesota, and Wisconsin. Each of the 10 plans is denoted by a letter, and the currently available plans are A, B, C, D, F, G, K, L, M, and N.

For simplicity, Florida Medicare Expert Agents mainly work with Plans F, G & N.

With MediGap, you can go to any doctor or hospital nationwide who takes Medicare. There are no network restrictions. An important note to remember is once insured you can never be dropped due to health reasons.

Some of the gaps that Medigap plans can cover for you are:

  • Hospital deductibles, copays and an extra 365 days in the hospital.
  • The first 3 pints of blood as necessary in a transfusion.
  • Outpatient deductibles, coinsurance, and excess charges.
  • Skilled nursing coinsurance.
  • Foreign travel emergency care.

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