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“We do not offer every plan available in your area. Currently we represent 7 organizations which offer 54 products in your area. You can always contact MEDICARE.gov, 1-800-MEDICARE or your local state health insurance program for help with plan choices..”
A traditional Medi-Gap or "Medicare Supplement Plan" is designed to pick up all or most of the cost left behind by original Medicare. A Medi-Gap Plan works with original Medicare and there are 10 standardized plans.
A Medi-Gap or "Medicare Supplement" is offered by private insurance companies to help pay all or most of the cost left behind by Medicare Part A and B. These plans have the following features and benefits
:
- Guaranteed Renewable for Life
- No Network Restrictions
- See any Doctor who accepts Original Medicare
- A set monthly premium (no surprises)
- No Deductibles
- No Co-Pays*
- Multiple Plans to Choose from
- Does not have a drug plan tied to the Policy
*Most plans do not have a co-pays except Plan N
Medicare supplement plans are not subject to Medicare compliance laws as are other types of Medicare health plans and Part D drug plans. You are allowed to select a Medicare supplement plan without going through underwriting or being subject to eligibility questions if:
- You are turning 65 within 6 months and have applied for or eligible for Medicare Part A and B
- If you are older than 65 and have lost group insurance coverage through no fault of your own in the last 63 days and have applied for Part B.
- If you are under 65 and have recently received Medicare Disability. (Rules vary from state to state.)
- If your Medicare Advantage Plan has terminated your coverage.
Also Medicare supplement plans are not subject to the "Annual Open Enrollment" as the other Medicare plans are, once you've chosen a Medicare supplement plan, that's all you have to do, no other action will ever be required and the plan will automatically renew on your anniversary date.
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