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Medicare Supplement Plans

What are Medicare Supplement Plans?

Medicare Supplement plans can provide you with additional Medicare coverage to fill in gaps from Medicare Parts A & B. These supplemental plans help cover out-of-pocket expenses.

Fill out the form below to see Medicare quotes for Medicare Supplement plans.

We’ll show all Medicare plans in your area with just a ZIP code.

Who should get Medicare Supplement Plans?

Medicare Parts A & B have proven to be important coverage for many eligible individuals. Unfortunately, Medicare Parts A & B does not cover everything, including certain out-of-pocket expenses, including deductibles, copayments, and coinsurance.

Many low-income individuals can get help with these out-of-pocket expenses through Medicaid. For all other Medicare enrollees, Medicare Supplement plans can help address these health-related costs.

Medicare Supplement plans help cover many of these out-of-pocket costs, and they are offered by private health insurance companies and regulated by the federal and state governments.

Recap of Medicare Supplement Plans:

  • Provided by private health insurers. Medicare Supplement plans are offered by private insurance companies, not by the federal government.
  • Federal parameters. The federal government defines the Medicare Supplement plans that may be offered to Medicare enrollees. In most states, the Medicare Supplement plans are standardized and range from Plan A to Plan N.
  • State approvals. Private insurance companies and their specific plans must be approved by their state to sell Medicare Supplement.

What are the required Medicare Supplement Benefits?

All Medicare Supplement plans must offer a basic set of benefits:

  • Preventive care coinsurance requirements from Medicare Part B. Coinsurance is typically a percentage of the fees charged for service, supplies, or care. All Medicare Supplement plans cover this coinsurance, with some limits based on plan options.
  • Hospital stay coinsurance from Medicare Part A. All Medicare Supplement plans cover hospital stay coinsurance, up to an additional 365 days after Medicare hospital benefits have run out. This is especially useful for lengthy hospitalization.
  • Copayments or coinsurance for Medicare Part B. Medicare Supplement plans cover 50 to 100 percent of copayment and coinsurance requirements for Medicare Part B.
  • Hospice care copayment or coinsurance for Medicare Part A. Medicare Supplement plans cover 50 to 100 percent of copayment and coinsurance requirements on Medicare Part A hospice care expenses.
  • Donated blood. Most hospitals get their donated blood at no cost from subsidized blood banks. However, if a hospital has to purchase additional blood for you, it will charge you for that blood. Medicare Supplement plans cover up to 100 percent of the cost for the first three pints of blood.

What additional Medicare Supplement Benefits are available?

In addition to the required benefits listed above, various Medicare Supplement plans available might offer some or all of the following benefits:

  • Skilled nursing facility care coinsurance
  • Medicare Part A deductible
  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Foreign travel emergency care

Note: If you live in Massachusetts, Minnesota, or Wisconsin, the Medicare Supplement policies are different.

Important considerations when purchasing Medicare Supplement

As you start shopping for Medicare Supplement plans, here is some information to keep in mind:

  • Medicare Supplement policies cover one person: A Medicare Supplement policy only covers only one individual, which means that if you and your spouse both need coverage, you will each need to purchase your own policy.
  • Premiums do apply: Since you must have Medicare Parts A & B to qualify for a Medicare Supplement plan, you will have to pay separate monthly premiums: one for Medicare Part B and one to your private insurer for your Medicare Supplement policy.
  • When to enroll: The Medicare Supplement Open Enrollment Period is generally the 6 months that starts on the first day of the month in which you are at least 65 years old and enrolled in Medicare Part B. During this time period, an insurance company must offer all available Medicare Supplement policies and cannot charge you more for your coverage because of health problems or make you wait for coverage to begin. Outside of this Open Enrollment Period, you may still apply for Medicare Supplement coverage, but the insurance company can charge you more or refuse to cover you because of medical conditions.
  • Coverage restrictions: If you already have Medicare Advantage plan, you are not allowed to purchase a Medicare Supplement plan. You also cannot have prescription drug coverage under a Medicare Supplement policy and a Medicare Part D plan at the same time.
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GoMedicare is a GoHealth brand.

GoHealth is a licensed and certified representative of Medicare Advantage [HMO, PPO and PPFS] organizations [and stand-alone prescription drug plans] with a Medicare contract.  Enrollment in any plan depends on contract renewal.   •   This information is not a complete description of benefits. Contact the plan for more information.   •   Limitations, copayments and restrictions may apply.   •   Benefits, premiums, and member cost-share may change on January 1 of each year.   •   You must continue to pay your Medicare Part B premium.   •   A Private Fee-for-Service plan is not Medicare supplement insurance. Providers who do not contract with our plan are not required to see you except in an emergency.   •   This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.   •   Medicare has neither reviewed nor endorsed this information.   •   Not connected with or endorsed by the U.S. government or the federal Medicare program.   •   Humana Inc. and its subsidiaries (“Humana”) do not discriminate on the basis of race, color, national origin, age, disability, or sex. English: ATTENTION: If you do not speak English, language assistance services, free of charge, are available to you. Call Toll Free: 1-877-493-9307 TTY Users: 711 Hours: 7 days a week 8 a.m. – 8 p.m.  •   Español (Spanish): ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística.  Llame al Toll Free: 1-877-493-9307 TTY Users: 711 Hours: 7 days a week 8 a.m. – 8 p.m.  •   繁體中文 (Chinese): 注意:如果您使用繁體中文,您可以免費獲得語言援助服務。請致電 Toll Free: 1-877-493-9307 TTY Users: 711 Hours: 7 days a week 8 a.m. – 8 p.m   •  Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and in some states to those under age 65 eligible for Medicare due to disability or End Stage Renal disease.   •   Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.   •   Legislation: If you are already a member of a Medicare Advantage plan, you are not allowed to purchase a Medicare Supplement policy. You also cannot have prescription drug coverage under a Medicare Supplement policy and a Medicare Part D plan at the same time.    •    Y0040_MULTIPLAN_GHHJQU7EN_18 (Pending accepted)  •   Last Update 10/9/2017