What Is Medicare Supplemental Insurance?

Are you 65+ or turning 65 soon and need a medicare supplemental insurance plan?

Do you want to make sure you have the proper coverage with the increasing health care costs in the US?

Do you want the most up to date information so that you can make an informed intelligent decision?

For the last 15 years eSupplemental has been helping clients find the proper affordable Medicare coverage.

If you would like to skip the information below and just compare plans click here.

What Is Medicare Supplemental Insurance?

Medicare (gov’t healthcare insurance for US citizens 65 and older) does not cover one hundred percent of your medical expenses.

According to medicare.gov – medicare supplemental insurance is an insurance policy that helps to pay some of your health care expenses that the original medicare does not cover, such as:

• Co-payments
• Co-insurance
• Medical Deductibles

They also recommend that when you are shopping for a policy make sure that you are comparing the same policy.

When Can & Should You Purchase Them

The optimal time to purchase medicare supplement is while you are in your six month open enrollment period.

When you are in this time period you are able to purchase any medicare supplement policy sold in your state (even if you currently have health issues).

This time frame starts automatically the month that you turn 65 and enrolled in Medicare Part B for medical insurance.

When this time frame expires, you may not be able to purchase a medicare supplemental insurance plan

If you are able to purchase a plan, it may be more expensive.

When You Are In The Open Enrollment Period

During this time period, those with health related issues can purchase any of the policies for the same premiums as those with no health related issues.

When You Are Out Of The Open Enrollment Period

If you wait to apply until you are in this time period, you lose the guarantee that an insurance provider will sell you a policy if you do not meet the required medical underwriting guidelines.

Here’s What To Do Now

eSupplemental has the ability to help you compare the top medicare supplemental insurance plans offered through private insurance companies such as:

• Medicare Advantage, or Medicare Part C
• Medicare Prescription Drug Coverage
• Medicare Supplement Insurance Plans, also called Medigap

The Retirement Living Information Center recommends that “no one plan is best for all situations, so we recommend shopping around using a Medicare expert to compare plans.”

These plans can be confusing and they vary by what market you are in.

We are not affiliated with any one insurance company so we can help you compare and find the best policy that works for you.

If you would like help with finding Medicare insurance plans that are affordable and best suit your needs…

Click Here To Compare Medicare Supplemental Insurance Plans

Don’t hesitate to contact us with any questions that you may have.