Medicare Supplement

What is Medicare Supplement?

A Medicare Supplement Plan, sometimes called a Medigap policy, is another alternative to help consumers pay for the 20% of out-of-pocket expenses that Medicare B does not cover, such as copayments, coinsurance, and deductibles.

Like Medicare Advantage, Medicare Supplement Insurance is sold only by private companies.

Unlike many Medicare Advantage Plans, however, Medicare Supplemental Insurance policies do not include prescription drug coverage. You will need to purchase a prescription drug plan separately if you want your medications covered.

How Do I Enroll in Medicare Supplement?

Enrolling in a Medicare Supplement plan is easy — give us a call, and we’ll help you determine if a Medicare Supplement plan is right for you and find the plan that meets your needs.

Before enrolling in Medicare Supplement, however, you must first be enrolled in Medicare Part A (Hospital) and Medicare Part B (Medical). Because Medicare does not pay for all your medical expenses, a Supplement plan, sometimes called a Medigap plan, can save you money by covering some of the “gaps.”

These plans can cover charges like deductibles, coinsurance, and copayments, not covered by Original Medicare (Parts A and B). Medicare Supplement insurance plans come in 10 standardized plans, denoted by the letters A through N. Not every insurance company selling Supplement plans must offer every Medicare Supplement plan, but they must at least offer Plan A. How much you pay for your Medicare Supplement plan depends largely on the level of coverage you want

For a complete list of available plans 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 Supplement is Widely Accepted

Unlike Medicare Advantage plans, which work through networks for doctors, Medical Supplement insurance allows you to see any doctor or specialist anywhere Medicare is accepted throughout the United States. You are not restricted to using HMO- and PPO-style, in-network hospitals, and doctors.

Medicare Supplement offers nationwide access to hospitals and doctors who accept Medicare. It also provides some emergency care services outside the United States

Medicare Supplement Doesn’t Cover Everything

While Medicare Advantage is a one-stop, all-inclusive healthcare program, Medicare Supplement serves as secondary insurance to Original Medicare (Parts A and B). After covering roughly 80% of your hospital and medical services, Medicare sends the remainder of your bills to your private Medicare Supplement insurance company for payment.

If you purchase Medical Supplement Insurance and also want prescription drug coverage, you will have to purchase prescription drug coverage (Part D) separately. Similarly, if you want extra benefits, like dental, vision, and hearing, you will likely have to purchase these services separately, as well.

Who can purchase Medicare Supplement?

To purchase a Medicare Supplement Insurance plan, you:

must have Medicare Part A and Medicare Part B

cannot be turned down for a pre-existing condition

The best time to buy a Supplement Insurance Plan is during your initial six-month Open Enrollment Period. During this period, you can buy any Medicare Supplement plan sold in your state, even if you have health problems. This period automatically starts the month you turn 65 and enrolled in Medicare Part B (Medical Insurance). After this enrollment period, you may not be able to buy a Supplement plan. And if you are able to purchase a policy, it may cost more due to past or present health problems.

* We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800– MEDICARE to get information on all of your options.

By calling BetterCare at (844) 395-4370 TTY 711, you will be directed to a Licensed Agent who can answer your questions and provide information about Medicare Advantage, Part D or Medicare Supplement Insurance plans. Neither BetterCare Insurance Services nor its agents are connected with or endorsed by the U.S. government or the federal Medicare program.

BetterCare Insurance Services LLC is a licensed insurance agency doing business as BCI Insurance Services in California.

BetterCare is a for-profit insurance agency.

Your call will be directed to a licensed insurance agent who can provide more information about your Medicare insurance plan options.

Medicare supplement plans are not connected with or endorsed by the U.S. Government or the Federal Medicare program.

BetterCare is not connected with or endorsed by the United States Government, or the federal Medicare program. BetterCare does not discriminate based on race, color, national origin, age, disability, or sex. The Centers for Medicare & Medicaid Services (CMS) has neither reviewed nor endorsed this information.

What is Medicare Supplement?

How Do I Enroll in Medicare Supplement?