Medigap Insurance
Medigap Insurance is a Medicare Supplement Insurance Plan that can help you pay your share of the the costs associated with Medicare Part A and Part B.
If you’re interested in getting a Medigap Insurance Policy, our agency can help you shop private carriers to find you the right policy at the right price.
So how does Medigap Work?
When you have medical costs that are covered by Medicare Part A and Part B, Medicare will pay the Medicare-Approved amount (typically, less than the actual amount of your doctor’s bill and you are responsible for the balance). Your Medigap policy will then pay its share.
When Can I Buy Medigap Insurance?
The best time to buy a policy without Medical Underwriting is within 6 months prior to your Medicare Part B enrollment. You can also enroll within 6 months after your Part B effective date. This is called your Medigap Open Enrollment window. If you miss your Medigap Open Enrollment window, you can still apply for a plan, just know you might be subject to Medical Underwriting. This means the insurance company can approve or deny your application based on your health.
How Much Is Medigap Insurance
The cost of your plan will depend greatly on which plan you choose. There are many plans including Plan F, G, N, Medicare Advantage as well as understanding and getting Part D for prescription drugs if you need them. There are many supplement plans to choose from so pick a plan that is the right fit for your budget and needs.
What Are The Different Medigap Plans
There are 12 different Medicare Supplement Insurance Plans that are available in most states through private health insurance.
Those plans are: A, B, C, D, F, F+,G, G+, K, L, M and N.
What Supplement Plan Is Right For Me
Only you can decide what Medicare Supplement Plan is right for you. A licensed agent in our office can help you navigate your choices, but ultimately, only you can choose what’s right.
Does It Cost More To Go Through An Agent?
No, it does not cost you anything to come through our agency to help you with your Medicare and you will not pay more for the plan. Plus, you get the added benefit of personalized service instead of having to contact a call center.
Multiple Companies Represented
How do I choose a Medigap company?
We will go over each plan and help you find an insurance company that fits your needs and budget. We will guide you through the sign up process.
To setup an appointment please click “Start a Consultation” to the left, or give us a call at 707-690-1965. We’re excited to help you find a plan and look forward to hearing from you.