What is Medicare Supplement Insurance?
Medicare supplement (Medigap) insurance can help pay some of the health care costs that original Medicare does not cover, like copayments, coinsurance and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the United States. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare approved amount for covered health care costs and your Medicare supplement insurance policy will pay its share.
A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
Important Things to Know
If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
You pay the private insurance carrier a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
A Medigap policy covers one person. If you and your spouse both want Medigap coverage, we'll work with you to setup two separate policies.
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.
Contact us to learn more about the right Medicare coverage for you.
"Jonathan Leonard is a very super person to deal with. I did not know anything about medicare supplemental insurance or even how to work my computer to get the electronic application done. He walked me through everything in order to get my policy done. He is also a wonderful person to talk to. It was a pleasure to deal and talk with Jonathan, and I would recommend him to everyone! I wish him all the best for the future."
- Sieglinde Bennett, Maryland