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Medicare Supplement Plans Information

How much should I pay?
Enrollment options

At Sun Coast Legacy Advisors we stand ready to help. Our agents are licensed brokers who can clarify the program's ambiguities and help you select a Medicare plan that offers the coverage you need.

What you need to recognize first is that Medicare is more than just one insurance program. It's actually divided into four parts:

- Part A offers hospital benefits and is administered by the federal government.

- Part B, also administered by the federal government, provides physician benefits. These include such things as doctor bills, medical services, and some supplies that hospital insurance doesn't cover.

- Part C, otherwise known as Medicare Advantage, deals with HMO and PPO kinds of insurance plans. These are administered by private insurance companies who have contracted with the federal government. Though not administered federally, these plans still come under federal oversight.

- Part D delivers prescription drug benefits through what are called PDP plans. Again, these are administered by private insurance companies.

As beneficial as Medicare can be, it doesn’t take care of all of your medical expenses. How can you make up for that? Yes. You can, for instance, buy a Medicare Supplement plan. The friendly Central Florida insurance agents from Sun Coast Legacy Advisors can help you choose the most accommodating plan to fit your situation.

Medicare Supplements are private insurance products that handle some (or even all) expenses not covered by traditional Medicare Parts A and B. This includes such expenses as deductibles, coinsurance, extended hospital stays, and added doctors’ fees. Some plans also provide coverage for emergency care outside the United States.

Our insurance agents can offer you a wide array of Medicare Supplements. These can be anything from budget plans to comprehensive coverage plans. To be sure, the more coverage your plan offers, the more it will cost. Don’t despair. We’ll help you review all your options. Because Medicare Supplement plans are standardized, the benefits from one provider to another don’t change. Rates and services, though, can be markedly dissimilar. As we said, we’ll help you choose intelligently.

Our insurance agents also will ensure that you’re enrolled properly, too. There are benefits – “Guaranteed Issue” rights – associated with your Initial Enrollment Period. So, while some states do permit you to enroll at other times, you’re best advised to purchase a Medicare Supplement within your Initial Enrollment Period. That’s the six-month period beginning on the first day of the month that you turn 65 (or older) and are also enrolled in Medicare Part B.

Does that have your eyes rolling? Our insurance agents are here in Central Florida to help you make sense of it all. Contact Sun Coast Legacy Advisors today.

How Much Should I pay for a Medicare Supplement Plan?

Cost is an important factor for anyone thinking about buying a MediGap (Medicare Supplement Insurance) plan. MediGap plans do offer a wide range of features and benefits that provide seniors more options but that range comes with a price. MediGap plans are a premium-first insurance product, meaning you pay a premium before you receive plan services.

A number of variables – in addition to those features associated with the specific plan you opt for –can affect the actual cost of your MediGap plan. These variables can include your age, your residence zip code, and in almost all states, your gender. If you’re married and both of you are considering buying a MediGap plan, there may be a household or married discount available to you as well, depending on the carrier with whom you’re working.

For a knowledgeable MediGap resource, contact Sun Coast Legacy Advisors. We’ll show you the most competitive rates available in the Central Florida area for plans that can best satisfy your needs.

Medicare Supplement/ Medigap Enrollment Options

Any Medicare-eligible beneficiary may enroll in a Medigap (Medicare Supplement Insurance) policy during the open enrollment period. This six month time span begins the first month you are age 65 and are enrolled in Medicare Part B. You may be eligible prior to turning 65 for another open enrollment period if you go on Medicare Part B for disability, but you must have Medicare Part A and Medicare Part B to enroll.

Another period when you can enroll in Medigap is if you experience a qualifying event for Guaranteed Issue. In the event that you experience one of these qualifying events you have 63 days to sign up for a Medigap policy. There are many different kinds of qualifying events. They may include one or more of the following:

  • leaving or losing coverage from your employer;
  • losing a Medicare Advantage plan;
  • moving to a new state outside the service area of a Medicare Advantage plan; or
  • many other possibilities

The open enrollment and Guaranteed Issue periods are significant because if you enroll during this time you are guaranteed the right to purchase any Medigap plan available for purchase in your state, regardless of your individual health condition. This means that you do not have to go through a health underwriting process and you can not be denied coverage.

However, one of the biggest advantages of Medigap policies over other Medicare products is that if you’re eligible to participate in any one of the plans, you are able to enroll when you please. If you find yourself in a situation that does not meet one of the guaranteed issue criteria and you missed your open enrollment period, you can still get a Medigap plan.

Each insurance carrier has different requirements for when you may enroll in a Medigap plan. There are numerous options to choose from. Having someone who understands the complexities of Medicare can help you make the correct choice. Contact us at Sun Coast Legacy Advisors so we can work with you to choose the right Medigap plan for your health care needs.

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