As doctor and hospital visits become more recurring, out-of-pocket expenses from Medicare begin to add up. Medicare Supplement Insurance works to save you money on the gaps in benefits within Medicare. Also referred to as Medigap Insurance, we offer a variety of Medicare Supplement plans to meet your needs.

Reasons to Enroll in Medicare Supplements

A variety of reasons exist to enroll in a Medicare Supplement policy with Wiewel Insurance, but here some of the most popular reasons to consider additional coverage:

  1. You will soon be turning 65 and will enroll in Original Medicare
  2. You decided to switch to Original Medicare and want supplemental insurance for coinsurance, copayments, deductibles, etc.
  3. You’ve had Original Medicare and now want to add Medicare Supplements
  4. You want a private insurance policy to help cover the costs not covered by Medicare
  5. You want a policy that is renewable for life

The Benefits of Medicare Supplements

Copayments and deductibles are expenses not covered by Medicare that start to accumulate as medical attention is more often required. Medicare Supplements provide help covering these expenses, allow you to see any doctor accepting Medicare patients, and provide coverage throughout the United States. For a complete list of benefits, please speak with one of our experts to go over how Medicare Supplements can improve your coverage.

Supplemental Medicare Available Plans

While there are ten standardized Medicare Supplement plans, we specialize in plans A, F, F-HD, G, and N. For additional information or questions about the specific plans, please contact us at either our Golden or Carthage offices.

Medicare Supplement Insurance (Medigap) Plans

BENEFITS A B C D F * G K ** L ** M N ***
MEDICARE PART A: Coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used)100%100%100%100%100%100%100%100%100%100%
MEDICARE PART B: Coinsurance or copayment100%100%100%100%100%100%50%75%100%100%
BLOOD: First 3 pints100%100%100%100%100%100%50%75%100%100%
PART A: Hospice care coinsurance or copayment100%100%100%100%100%100%50%75%100%100%
SKILLED NURSING FACILITY CARE: Coinsurance100%100%100%100%50%75%100%100%
PART A: Deductible100%100%100%100%100%50%75%50%100%
PART B: Deductible100%100%
PART B: Excess charges100%100%
FOREIGN TRAVEL EMERGENCY: Up to plan limits80%80%80%80%80%80%

* Plan F is also offered as a high-deductible plan by some insurance companies in some states. If you choose the high-deductible option, it means you must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the deductible amount of $2300 in 2019 before your policy will pay anything.

** For Plans K and L, after you meet your annual out-of-pocket limit and your annual Part B deductible, the Medigap plan pays 100% of covered services for the rest of that calendar year.

*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.

Medicare Supplements Quote

At Wiewel Insurance Agency, we offer a variety of Medicare Supplement insurance plans to provide additional coverage to meet your needs. Contact one of our Medicare experts today for a free estimate.