Buying a Medicare supplement insurance policy is an important decision. All companies offer the same plans so your choice is primarily based on three factors:
- The plan you want at a price you can afford
- The company’s ability to pay its claims
- The company’s service before and after the sale
Be sure to compare Medicare supplement insurance policies because costs can vary widely from one insurer to another.
Choose the benefits that are important to you.
Consider your current health care needs, as well as in preparation for future health care needs. Medicare supplement insurance policies can pay all or part of these expenses. Before you begin any policy evaluation, review these benefits.
Basic Benefits
All Medicare supplement insurance policies include these basic benefits:
- Hospitalization: Medicare Part A coinsurance and coverage for 365 additional days after Medicare benefits end
- Hospice Care: Outpatient prescription drug copayment and inpatient respite care coinsurance
- Medical Expenses: Medicare Part B coinsurance (generally 20% of Medicare-approved expenses) for physician’s services and supplies, physical and speech therapy and ambulance service; copayments for hospital outpatient services
- Blood: First 3 pints of blood each year
Additional Benefits Vary by Plan
Each plan offers a combination of the following benefits. Which ones do you want your policy to pay?
- Medicare-approved skilled nursing facility copayment
- Medicare Part A hospital deductible
- Medicare Part B physician services and supplies deductible
- Medicare Part B excess charges
- Emergency care when traveling out of the country
Compare all the plans and benefits.
See the Plans and Premiums Offered in Your State
Our Medicare supplement insurance policy can help you meet your needs.
With a Medicare supplement plan, you:
- Keep your doctors and health care providers
- See specialists without referrals
- Don’t pay additional fees with our plan, only your premiums
Add our helpful U.S.-based customer service staff and affordable premiums, and you have the financial value and security you seek.
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