Quick Medicare Supplement Quote

A Medicare Supplement Insurance policy (also called a Medigap policy) is health insurance sold by insurance companies to fill gaps in your Original Medicare coverage.

Medigap policies are used to help assist you in paying for your copayments, or deductibles of Medicare covered services.

Medicare Supplement Insurance companines can only sell you a “standardized” Medigap policy identified by letters A through N.

Since a Medicare Supplement Insurance company can only sell you a “standardized” Medigap policy each policy must offer the same basic benefits, no matter which insurance company provides the insurance. Cost is usually the only difference between Medigap policies sold by different insurance companies. That is why it is so important to get the best price on your Medigap coverage.

The Medicare Open Enrollment Period begins on the first day of the month in which you are both 65 years of age (or older) and you are enrolled in Medicare Part B.  This period lasts 6 months.  When did your period begin?

This is the best time to purchase a medicare supplement because an insurance company cannot turn you down, apply any conditions, or charge more due to a health problem.  Insurance companies can apply a waiting period for pre-existing conditions to your medigap policy, but that can be eliminated or shorten if you have had prior credible coverage.

How to read the Medigap chart below: If a check mark appears in the column, this means that the Medigap policy covers that benefit up to 100% of the Medicare-approved amount. If a column lists a percentage, this means the Medigap policy covers that benefit at that percentage rate of the Medicare-approved amount. If no percentage appears or if the column is blank, this means the Medigap policy doesn't cover that benefit. Note:The coverage of coinsurance only begins after the deductible has been satisfied.

Medigap Benefit	A	B	C	D	F*	G	K	L	M	N
Medicare Part A Coinsurance and Medigap Coverage for Hospital Benefits
Medicare Part B Coinsurance or Copayment							50%	75%		***
Blood (First Three Pints)							50%	75%
Part A Hospice Care Coinsurance or Copayment							50%	75%
Skilled Nursing Facility Coinsurance							50%	75%
Medicare Part A Deductible							50%	75%	50%
Medicare Part B Deductible
Medicare Part B Excess Charges
Foreign Travel Emergency (Up to Plan Limits)
Medicare Preventative Care Part B Coinsurance
2010 out-of-pocket limit:							$4,620**	$2,310**
*Plan F has a high deductible option. You must pay the first $2,000 (deductible in 2010) in Medigap-covered costs before the Medigap policy pays anything. You must also pay a separate deductible for foreign travel emergency ($250 per year). **After you meet your out-of-pocket yearly limit and your $155 yearly Part B deductible, the plan pays 100% of covered services for the rest of the calendar year.   *** Plan N pays 100% of the Part B coinsurance except up to $20 copayment for office visits and up to $50 for emergency department visits.