Medicare Supplement Plans, or Medigap, work with Original Medicare to lower out-of-pocket costs.
Looking for an alternative to Original Medicare? Medicare Advantage Plans offer coverage identical to Original Medicare with added benefits.
Prescription Drug Plans, or Medicare Part D, covers medically necessary medication — something not covered by Original Medicare.
Hospital Indemnity Insurance helps provide additional financial support when you need it the most.
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At its most basic level, vision insurance helps cover the cost of routine eye exams, contact lenses, and glasses.
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Limited Medical Plans is supplemental insurance that pays you fixed benefits to help with every day medical expenses. You can use its benefits alone or in addition to your primary insurance to give you extra help with those unavoidable out-of-pocket expenses.
Association health plan (AHP) is a type of group medical insurance for employers that allows smaller companies (as well as freelancers and the self-employed) to access the health insurance savings associated with large group medical coverage.
Faith-based plans (also known as healthcare sharing plans) are designed to accomplish the same fundamental goals as traditional health insurance.
Short-term health insurance is a type of health plan that can provide you with temporary medical coverage when you are between health plans, outside enrollment periods, and need some coverage in case of an emergency.
Our Critical Illness Protection Plan is insurance that pays a lump-sum cash benefit directly to a covered employee after a diagnosis of a critical illness. The amount of the cash benefit is based on the condition, covered expenses, and treatments covered by the employee’s plan.
Medicare Supplements, also known as Medigap policies, are sold by private insurance companies to help you cover the out-of-pocket costs left behind by Medicare.
When you have a Medigap policy, Medicare pays up to its limit on your medical expenses. Then, your Medicare Supplement plan will then kick in up to its limit. That limit usually is able to pay off the remainder. However, that will depend on which policy you select.
Original Medicare only covers 80% of your Part B expenses. The other 20% comes out of your pocket if you do not have a Medigap policy. If you were to have lengthy treatment or some seriously expensive ones, you can see how that could rack up.
Medicare Supplements pay that 20% for you.
Things that are not covered by Original Medicare or your Medicare Supplement:
Each of the standardized Medigap plans available in most states cover:
Beyond that, each plan offers different benefits and some, like plan F and G are popular because they pay 100% of your cost-sharing responsibility.
It is important for you to sit down with your medical bills and find out where you could most use the assistance of a Medicare Supplement plan. You can also talk to a licensed Medicare agent from Simple Choice Insurance Brokerage and they can help you find a policy that works best for you.
Call (832) 626-7791 now. Our support team is ready to answer questions about your Medicare or health insurance and put together a comprehensive plan that fits your needs.