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pareja de ancianos sonriendo porque tienen la tranquilidad de saber que Jeremy Specht de Elkin Insurance se ocupa de sus necesidades de seguro

SUPLEMENTOS DE MEDICARE

What's Medicare Supplement Insurance (Medigap)?

Medigap is Medicare Supplement Insurance that helps fill "gaps" in 

Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:

 

  • Copayments

  • Coinsurance

  • Deductibles

Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here's what happens:

  • Medicare will pay its share of the 

  • Medicare-Approved Amount for covered health care costs.

  • Then, your Medigap insurance company pays its share.

9 things to know about Medigap policies 

  1. You must have Medicare Part A and Part B.

  2. 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.

  3. You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.

  4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.

  5. You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.

  6. 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.

  7. Some Medigap policies sold in the past cover prescription drugs. But, Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D). If you buy Medigap and a Medicare drug plan from the same company, you may need to make 2 separate premium payments. Contact the company to find out how to pay your premiums.

  8. It's illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you're switching back to Original Medicare.

Medigap policies don't cover everything

Medigap policies generally don't cover: 

  • Long-term care (like non-skilled care you get in a nursing home)

  • Vision or dental services

  • Hearing aids

  • Eyeglasses

  • Private-duty nursing

Insurance plans that aren't Medigap

Some types of insurance aren't Medigap plans, they include:

  • Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)

  • Medicare Prescription Drug Plans

  • Medicaid

  • Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)

  • Tricare

  • Veterans' benefits

  • Long-term care insurance policies

  • Indian Health Service, Tribal, and Urban Indian Health plans

Dropping your entire Medigap policy (not just the drug coverage) 

You may want a completely different Medigap policy (not just your old Medigap policy without the prescription drug coverage). Or, you might decide to switch to a Medicare Advantage Plan that offers prescription drug coverage.

If you decide to drop your entire Medigap policy, you need to be careful about the timing. When you join a new Medicare drug plan, you pay a late enrollment penalty if one of these applies:

  • You drop your entire Medigap policy and the drug coverage wasn't  

    creditable prescription drug coverage

  • You go 63 days or more in a row before your new Medicare drug coverage begins

Get More With Elkin Insurance 

Our agents will shop the Supplement markets to find the best value policy with the most stable rates and a plan to fit your needs.

To learn more about this and other Health related topics, talk with a professional in your community. Make an appointment to speak with one of our professionals and see for yourself the Elkin Insurance difference. At Elkin Insurance "We Care About You".

Call: 336-366-0960

Text: 336-366-0960

Email: Info@Elkininsurance.com

Call to make an appointment today!                        

What's Medicare Supplement Insurance (Medigap)?

Medigap is Medicare Supplement Insurance that helps fill "gaps" in 

Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:

 

  • Copayments

  • Coinsurance

  • Deductibles

Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here's what happens:

  • Medicare will pay its share of the 

  • Medicare-Approved Amount for covered health care costs.

  • Then, your Medigap insurance company pays its share.

9 things to know about Medigap policies 

  1. You must have Medicare Part A and Part B.

  2. 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.

  3. You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.

  4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.

  5. You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.

  6. 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.

  7. Some Medigap policies sold in the past cover prescription drugs. But, Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D). If you buy Medigap and a Medicare drug plan from the same company, you may need to make 2 separate premium payments. Contact the company to find out how to pay your premiums.

  8. It's illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you're switching back to Original Medicare.

Medigap policies don't cover everything

Medigap policies generally don't cover: 

  • Long-term care (like non-skilled care you get in a nursing home)

  • Vision or dental services

  • Hearing aids

  • Eyeglasses

  • Private-duty nursing

Insurance plans that aren't Medigap

Some types of insurance aren't Medigap plans, they include:

  • Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)

  • Medicare Prescription Drug Plans

  • Medicaid

  • Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)

  • Tricare

  • Veterans' benefits

  • Long-term care insurance policies

  • Indian Health Service, Tribal, and Urban Indian Health plans

Dropping your entire Medigap policy (not just the drug coverage) 

You may want a completely different Medigap policy (not just your old Medigap policy without the prescription drug coverage). Or, you might decide to switch to a Medicare Advantage Plan that offers prescription drug coverage.

If you decide to drop your entire Medigap policy, you need to be careful about the timing. When you join a new Medicare drug plan, you pay a late enrollment penalty if one of these applies:

  • You drop your entire Medigap policy and the drug coverage wasn't  

    creditable prescription drug coverage

  • You go 63 days or more in a row before your new Medicare drug coverage begins

Get More With Elkin Insurance 

Our agents will shop the Supplement markets to find the best value policy with the most stable rates and a plan to fit your needs.

To learn more about this and other Health related topics, talk with a professional in your community. Make an appointment to speak with one of our professionals and see for yourself the Elkin Insurance difference. At Elkin Insurance "We Care About You".

Call: 336-366-0960

Text: 336-366-0960

Email: Info@Elkininsurance.com

Call to make an appointment today!                        

¡Haga clic para llamar ahora!

COMPRAR LOCALES

Lo mejor para usted y sus amigos es su agente local de confianza que está aquí para ayudarle.

 

ENROLL IN MEDICARE

Screen Shot 2024-05-16 at 9.52.48 AM.png

MÉDICO MAYOR

El seguro médico mayor es un tipo de seguro médico que cubre los gastos asociados a enfermedades graves u hospitalización.

SEGURO MÉDICO DEL ESTADO

Proporcionamos toda la información que necesita sobre los planes Medicare Original y Medicare Advantage para que pueda tomar una decisión informada.

VIDA

El elemento básico de la planificación financiera es la protección. Al obtener un seguro de vida suficiente, usted protege a sus seres queridos para que tengan el dinero necesario para continuar con sus vidas sin interrupciones.

ANUALIDADES

Una anualidad es un producto de seguro que paga ingresos y puede utilizarse como parte de una estrategia de jubilación. Las anualidades son una opción popular para los inversores que desean recibir un flujo de ingresos constante durante la jubilación.

Despertador-01.png

GASTO FINAL

El seguro de gastos finales está diseñado para cubrir las facturas que sus seres queridos afrontarán tras su fallecimiento. Estos costos incluirán facturas médicas y gastos funerarios.

¡Haga clic para llamar ahora!

COMPRAR LOCALES

Lo mejor para usted y sus amigos es su agente local de confianza que está aquí para ayudarle.

 

MÉDICO MAYOR

El seguro médico mayor es un tipo de seguro médico que cubre los gastos asociados a enfermedades graves u hospitalización.

SEGURO MÉDICO DEL ESTADO

Proporcionamos toda la información que necesita sobre los planes Medicare Original y Medicare Advantage para que pueda tomar una decisión informada.

VIDA

El elemento básico de la planificación financiera es la protección. Al obtener un seguro de vida suficiente, usted protege a sus seres queridos para que tengan el dinero necesario para continuar con sus vidas sin interrupciones.

ANUALIDADES

Una anualidad es un producto de seguro que paga ingresos y puede utilizarse como parte de una estrategia de jubilación. Las anualidades son una opción popular para los inversores que desean recibir un flujo de ingresos constante durante la jubilación.

Despertador-01.png

GASTO FINAL

El seguro de gastos finales está diseñado para cubrir las facturas que sus seres queridos afrontarán tras su fallecimiento. Estos costos incluirán facturas médicas y gastos funerarios.

What's Medicare Supplement Insurance (Medigap)?

Medigap is Medicare Supplement Insurance that helps fill "gaps" in 

Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:

 

  • Copayments

  • Coinsurance

  • Deductibles

Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here's what happens:

  • Medicare will pay its share of the 

  • Medicare-Approved Amount for covered health care costs.

  • Then, your Medigap insurance company pays its share.

9 things to know about Medigap policies 

  1. You must have Medicare Part A and Part B.

  2. 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.

  3. You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.

  4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.

  5. You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.

  6. 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.

  7. Some Medigap policies sold in the past cover prescription drugs. But, Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D). If you buy Medigap and a Medicare drug plan from the same company, you may need to make 2 separate premium payments. Contact the company to find out how to pay your premiums.

  8. It's illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you're switching back to Original Medicare.

Medigap policies don't cover everything

Medigap policies generally don't cover: 

  • Long-term care (like non-skilled care you get in a nursing home)

  • Vision or dental services

  • Hearing aids

  • Eyeglasses

  • Private-duty nursing

Insurance plans that aren't Medigap

Some types of insurance aren't Medigap plans, they include:

  • Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)

  • Medicare Prescription Drug Plans

  • Medicaid

  • Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)

  • Tricare

  • Veterans' benefits

  • Long-term care insurance policies

  • Indian Health Service, Tribal, and Urban Indian Health plans

Dropping your entire Medigap policy (not just the drug coverage) 

You may want a completely different Medigap policy (not just your old Medigap policy without the prescription drug coverage). Or, you might decide to switch to a Medicare Advantage Plan that offers prescription drug coverage.

If you decide to drop your entire Medigap policy, you need to be careful about the timing. When you join a new Medicare drug plan, you pay a late enrollment penalty if one of these applies:

  • You drop your entire Medigap policy and the drug coverage wasn't  

    creditable prescription drug coverage

  • You go 63 days or more in a row before your new Medicare drug coverage begins

Get More With Elkin Insurance 

Our agents will shop the Supplement markets to find the best value policy with the most stable rates and a plan to fit your needs.

To learn more about this and other Health related topics, talk with a professional in your community. Make an appointment to speak with one of our professionals and see for yourself the Elkin Insurance difference. At Elkin Insurance "We Care About You".

Call: 336-366-0960

Text: 336-366-0960

Email: Info@Elkininsurance.com

Call to make an appointment today!                        

What's Medicare Supplement Insurance (Medigap)?

Medigap is Medicare Supplement Insurance that helps fill "gaps" in 

Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:

 

  • Copayments

  • Coinsurance

  • Deductibles

Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here's what happens:

  • Medicare will pay its share of the 

  • Medicare-Approved Amount for covered health care costs.

  • Then, your Medigap insurance company pays its share.

9 things to know about Medigap policies 

  1. You must have Medicare Part A and Part B.

  2. 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.

  3. You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.

  4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.

  5. You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.

  6. 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.

  7. Some Medigap policies sold in the past cover prescription drugs. But, Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D). If you buy Medigap and a Medicare drug plan from the same company, you may need to make 2 separate premium payments. Contact the company to find out how to pay your premiums.

  8. It's illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you're switching back to Original Medicare.

Medigap policies don't cover everything

Medigap policies generally don't cover: 

  • Long-term care (like non-skilled care you get in a nursing home)

  • Vision or dental services

  • Hearing aids

  • Eyeglasses

  • Private-duty nursing

Insurance plans that aren't Medigap

Some types of insurance aren't Medigap plans, they include:

  • Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)

  • Medicare Prescription Drug Plans

  • Medicaid

  • Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)

  • Tricare

  • Veterans' benefits

  • Long-term care insurance policies

  • Indian Health Service, Tribal, and Urban Indian Health plans

Dropping your entire Medigap policy (not just the drug coverage) 

You may want a completely different Medigap policy (not just your old Medigap policy without the prescription drug coverage). Or, you might decide to switch to a Medicare Advantage Plan that offers prescription drug coverage.

If you decide to drop your entire Medigap policy, you need to be careful about the timing. When you join a new Medicare drug plan, you pay a late enrollment penalty if one of these applies:

  • You drop your entire Medigap policy and the drug coverage wasn't  

    creditable prescription drug coverage

  • You go 63 days or more in a row before your new Medicare drug coverage begins

Get More With Elkin Insurance 

Our agents will shop the Supplement markets to find the best value policy with the most stable rates and a plan to fit your needs.

To learn more about this and other Health related topics, talk with a professional in your community. Make an appointment to speak with one of our professionals and see for yourself the Elkin Insurance difference. At Elkin Insurance "We Care About You".

Call: 336-366-0960

Text: 336-366-0960

Email: Info@Elkininsurance.com

Call to make an appointment today!                        

¡Haga clic para llamar ahora!

COMPRAR LOCALES

Lo mejor para usted y sus amigos es su agente local de confianza que está aquí para ayudarle.

 

MÉDICO MAYOR

El seguro médico mayor es un tipo de seguro médico que cubre los gastos asociados a enfermedades graves u hospitalización.

SEGURO MÉDICO DEL ESTADO

Proporcionamos toda la información que necesita sobre los planes Medicare Original y Medicare Advantage para que pueda tomar una decisión informada.

VIDA

El elemento básico de la planificación financiera es la protección. Al obtener un seguro de vida suficiente, usted protege a sus seres queridos para que tengan el dinero necesario para continuar con sus vidas sin interrupciones.

ANUALIDADES

Una anualidad es un producto de seguro que paga ingresos y puede utilizarse como parte de una estrategia de jubilación. Las anualidades son una opción popular para los inversores que desean recibir un flujo de ingresos constante durante la jubilación.

Despertador-01.png

GASTO FINAL

El seguro de gastos finales está diseñado para cubrir las facturas que sus seres queridos afrontarán tras su fallecimiento. Estos costos incluirán facturas médicas y gastos funerarios.

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