If you are 65 years of age or older, you’re eligible for Medicare.  While Medicare will pay for much of your medical care, there are many healthcare costs that are not covered by Medicare. Some of those costs are:

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The Part A Deductible: The Medicare Part A deductible is the expense for which you are obligated to pay whenever you are admitted to a hospital as an inpatient. 

Skilled Nursing Coinsurance: Medicare Part A pays for the first 20 days of care in a skilled nursing facility following hospitalization, but requires you to pay a coinsurance beginning on the 21st day through the 100th day. A  Medicare Supplement benefit pays the coinsurance amount beginning on the 21st day. 

Part B Deductible: The Medicare Part B deductible is the amount you must pay each year for medical expenses (such as doctor fees) before Medicare begins paying. A Medicare Supplement plan can reimburse you the deductible amount. 

Part B Excess Charges:  If your doctor does not accept Medicare assignment, they can bill you for the difference between the amount paid by Medicare and the amount they can legally charge you (called the "limiting charge"). If you have a Medicare Supplement Policy that covers “excess charges”, the policy will pay the full amount billed by your doctors and providers.

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Without a Medicare supplement plan, you could be responsible for thousands of dollars of uninsured costs. A supplement plan can almost eliminate any additional out pocket costs not covered by Medicare regardless of the cost of a hospitalization.

 

As an independent agency we work with a variety of insurance companies to find you the best possible coverage at the most affordable rate.​