Get More Coverage with a Medicare Supplement Plan in the Dallas and Kansas City Metro

Medicare Supplement

Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that original Medicare doesn't cover, such as:

  • Copayments
  • Coinsurance
  • Deductibles

Medigap (Supplement) policies are sold by private Insurance companies. The benefits work as follows:

  • Medicare will pay its share of the Medicare-approved amount for covered health care costs.
  • Then, your Medigap policy pays its share.

What Is Important for You to Know About a Medigap/Supplemental Plan?

  • You must have Medicare Part A and Part B.

  • If you are a Medicare beneficiary with a Medicare Advantage plan, you can apply for a Medigap policy. Never cancel your current Insurance plan until you receive a letter of acceptance into the new plan.
  • You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.
  • A Medigap policy only covers one person. If you and your spouse both want a Medigap plan, you'll each have to buy separate policies.
  • You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.
  • Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
  • Some Medigap policies sold in the past cover prescription drugs. But Medigap policies sold after January 1, 2006, aren't allowed to include prescription drug coverage.
  • It's illegal for anyone to sell you a Medigap policy if you have a Medicare Medical Savings Account (MSA) Plan.

Medigap Policies Don't Cover Everything

Medigap policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.

Contact us if you have questions about Medigap and you want to upgrade to a Medicare supplement policy. Based in Dallas, Texas, we proudly serve clients throughout Texas and Kansas City Metro.

Medicare Supplement