Medicare Supplement insurance is designed to help you cover some or all of the deductible, coinsurance, copay, and excess charges gaps in Medicare. Supplements are often referred to as “Medigap” because they cover many of the gaps, sometimes referred to as the doughnut hole, in Part A, B & D. Medicare supplements are somewhat unique in that Medicare has mandated a level of standardization that makes it easier to shop for Medicare supplements. These relatively inexpensive gap fillers can save you thousands. In addition, prescription drug coverage under part D has many gaps and is extremely complex, possibly leaving you with unforeseen expenses. We can help you determine if part D will cover your medications or if additional coverage would be of value.
Let us help you determine if a supplement is right for you!