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If you’re already covered by Medicare, you may wonder if you need additional health insurance. Medicare generally won't cover all of your medical expenses, so it may be wise to purchase health insurance to supplement your Medicare coverage. Usually, you'll have to satisfy a deductible before Medicare pays anything, and you'll also pay a co-payment when you visit a physician or are admitted to the hospital.
Fortunately, you can help plug the gaps in your Medicare coverage by purchasing supplemental insurance, known as Medigap, from private health insurance companies. These Medigap plans are regulated and standardized by the federal government. There are 10 different kinds of Medicare supplement insurance plans: A, B, C, D, F, G, K, L, M & N, although your state may not offer all of them. For instance, three states (Massachusetts, Minnesota, and Wisconsin) have their own standardized plans.
If premium cost is a concern, you can purchase lower-cost Medigap plans that only partially cover Medicare deductibles, co-payments and coinsurance costs. Conversely, if you want extensive coverage and don't mind paying more for it, you can purchase a Medigap plan that covers most of the deductibles, co-payments, and out of pocket expenses associated with Medicare. Whatever plan you choose, you have the right to cancel it within a certain amount of time (usually 30 days, sometimes longer) if you don't like the policy after you buy it. In addition, the policy must be guaranteed renewable and cannot duplicate existing coverage, including Medicare.
Another way to supplement Medicare is to keep in effect any employer-sponsored health care insurance you have. Depending on the type of coverage you have, and whether you're retired, one plan will pay your health care costs first, and the other plan will cover some or all of the remaining costs. To make sure claims are properly paid, let your health care provider know when you have secondary health insurance in addition to Medicare.
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The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.
Limitations, copayments, and restrictions may apply. Benefits, premium and/or copayments/coinsurance may change on January 1, of each year.
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Blue Cross Blue Shield - Illinois
Blue Cross Blue Shield - Montana
Blue Cross Blue Shield - New Mexico
Blue Cross Blue Shield - Oklahoma
Blue Cross Blue Shield - Texas
Blue Shield of California
Capital Blue Cross
Cigna Health Spring
Premera Blue Cross
Scott & White
Vibra Health Plan
Last Revised 11/15/2017