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Bảo hiểm sức khỏe, Health Care, Medicare, Long Term Care and Life Insurance
Common Questions

What does Medicare Supplement insurance cover?
Policies help pay for Medicare Part A & B deductibles, co-payments, and co-insurance. Some policies also include coverage for certain health services not covered by Medicare.
Is Medicare Supplement insurance the same as a Medicare Advantage plan...?

No. Medicare Supplement insurance policies help cover Medicare Part A & B out-of-pocket costs. Medicare Advantage Plans are an alternative way to get your Medicare coverage and, in some cases, additional benefits.
When can I buy a Medicare Supplement insurance policy?
Any time after you are enrolled in Medicare Parts A & B. You do not have to wait for Open Enrollment to buy a policy. The best time to buy is in the first 6 months after you are both 65 years old and enrolled in Medicare Parts A & B.


When is 2018 Medicare Open Enrollment?

2018 Open Enrollment is here. Enrollment ends Dec. 15

What do you need to Know to Enroll in Medicare for 2018?

We cover everything you need to know about open enrollment in Medicare 2018. Get the facts on 2018 Medicare open enrollment.

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What are the different parts of Medicare?

Medicare is divided into four main parts: A, B, C, and D. The first two parts, A and B, are sometimes called “Original Medicare.” Part C, also known as “Medicare Advantage” is a private insurance plan that provides similar benefits as Original Medicare. The final piece of Medicare, Part D, is a prescription drug plan.

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How are Medicare Supplement insurance plans priced?

Insurance companies price Medigap policies based on three main things: your plan choice, your personal factors, and their pricing systems. Because of these factors, the monthly cost of a Medicare Supplement insurance plan can vary widely.

One thing that will greatly affect the cost of your coverage is which plan you choose to buy. The 10 standardized plans vary greatly in their coverage and benefits, and so do their prices.

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Can I get a Medigap policy if I have a pre-existing condition?

You have guaranteed access to a Medicare Supplement insurance policy if you buy during your open enrollment period, even if you have a pre-existing condition. It’s possible to get a policy after the enrollment period, but it’s not guaranteed.

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How does high-deductible Medigap Plan F work?

High-deductible Medicare Supplement insurance plans require you to pay for a certain amount of Medicare-covered costs on your own each year before the policy provides any coverage.

The only high-deductible Medigap plan is high-deductible Plan F. The high-deductible option is usually cheaper than the standard Plan F, but it requires higher out-of-pocket costs.

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How does Obamacare affect Medigap?

Obamacare is not expected to negatively affect Medicare Supplement insurance, but it will have both positive and negative effects on the Medicare program.

The Affordable Care Act (ACA), commonly referred to as Obamacare, was passed in 2010 to remodel health care in the United States. Although it primarily changed private insurance, it did make some changes to the Medicare program.

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What are cost-sharing plans?

Unlike other Medigap plans that provide 100% coverage for all benefits, cost-sharing plans provide only partial coverage for certain benefits. There are two cost-sharing plans currently available: Plan K and Plan L. Both plans include the same benefits, but the levels of cost-sharing differ.

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Which Medigap plans are most popular?

The most popular Medicare Supplement plans are Plans F, C, and G, according to 2012 statistics from America’s Health Insurance Plans (AHIP). Plan F is by far the most popular Medigap plan, according to the AHIP data, accounting for over half of all Medigap policies in 2012.

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When is the Medicare Supplement open enrollment period?

Medicare Supplement insurance has a 6-month open enrollment period (OEP). It begins as soon as you are both 1) 65 years old and 2) enrolled in both Medicare Part A and Part B (Original Medicare).

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What is a guaranteed issue right?

A guaranteed issue right allows you to purchase a Medicare Supplement insurance policy from any company without regard to your health condition. You only have a guaranteed issue right in certain situations.

According to Medicare.gov, when you have a guaranteed issue right, insurance companies are lawfully required to sell or offer you a Medicare Supplement insurance policy even if you have pre-existing conditions. In these situations, insurers cannot charge you more because of past or present health problems.

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Common Questions About Medicare Supplement

What does Medicare Supplement insurance cover?

Policies help pay for Medicare Part A & B deductibles, co-payments, and co-insurance. Some policies also include coverage for certain health services not covered by Medicare.

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What's Medicare?

Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).

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Medicare Coverage

If you qualify for Medicare, you cannot sign up for Obamacare or any other non-Medicare coverage. Look at Medicare Supplements (Medigap) during Medicare’s open enrollment periods if original Medicare is not enough.

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