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Which Plan Types?

Medicare Supplement plans cover the leftover 20% that Medicare doesn’t cover. There are several different plans to choose from with different coverage options

What Type of Coverage?

The short answer, it depends. If you’re on Medicare and want to protect yourself from costly medical bills, you should consider additional Medicare coverage.

Which Insurance Carrier?

It’s important to remember that Medicare coverage plans are standardized. No matter what carrier you choose or how much you pay, the benefits are the same.

Our licensed agents eat, drink, and breath Medicare all day, every day. Let us know your unique needs and we’ll do the hard work to find the answers and coverage you need.

Judith Neilsen

Licensed Medicare Agent

What is Medigap Insurance?

The Medicare Gap
Prescriptions
Doctor Visits
2020 Medicare Changes

The Medicare Gap

Medicare alone leaves you at risk.

Did you know? Original Medicare usually only pays for 80% of your costs, after deductibles and copays. By purchasing a Medicare Supplement (Medigap) plan, you can cover the additional portion that you’d be responsible for.

When you start to really think about it, those costs can add up quickly. Medigap plans are available with varying levels of coverage so that you can choose one based on your needs and preferences.

Prescriptions

Do you need coverage on your prescriptions?

Medicare Part D is prescription drug coverage. Medicare Part A and Part B (Original Medicare) coverage does not include Medicare Part D. If you’re on Medicare and want coverage for your prescription drug costs, you may want to learn about Medicare Part D.

You can get Medicare Part D benefits:

  • If you sign up for a stand-alone Medicare Part D prescription drug plan
  • If you sign up for a Medicare Advantage prescription drug plan

Call to talk to a Medicare Companion expert now — 866-430-8512

Doctor Visits

What type of doctors does Medicare accept?

One of the most important things you can do to keep down costs is to find doctors who take Medicare. That is, you’ll want to find Medicare providers who “accept Medicare assignment.”

This simply means that your doctor has signed an agreement with the Medicare program to accept a certain approved amount as payment in full. You’ll still be responsible for your share of costs, such as deductibles, copayments, or coinsurance.

2020 Medicare Changes

What are the Medicare changes for 2020?

Medicare 2020 changes may affect your Medicare Supplement plan options and Medicare Part A, Part B and Part D costs. Some of the most important 2020 Medicare changes include:

  • Part A premium will be $458 (many qualify for premium-free coverage)
  • Part B premium will increase to $144.60
  • Part B deductible will rise to $198
  • Supplement Plan F and Plan C will no longer be available to those who became eligible on or after January 1, 2020
  • Medicare will begin closing the Medicare Part D Donut Hole in 2020

“Medicare pays for much – but not all – of the costs for covered health care services and supplies. A Medigap policy can help pay the remaining health care costs like Copayments, Coinsurance, and Deductibles.”