Integrity: Insurance and Financial Services

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Medicare Supplement plans, also called Medigap, help cover some of the medical expenses that Medicare does not cover by itself.

A Medicare Supplement plan protects you from uncovered costs, and helps keep you money where it belongs - in your savings account.

Medicare was never designed to completely cover all of your medical costs, and unfortunately the cost of items not covered by Medicare has grown - to the point where it's often more than an individual can afford to pay. Costs not covered by Medicare include the Part A deductible, hospital and medical care coinsurance, and much more. A Medicare Supplement policy can help you pay these costs, keeping down your out of pocket medical expenses.

 

What Won't Be Covered By My Illinois Medigap Plan?

You might be surprised at some of the costs that aren't covered by Medicare. But a supplement plan can cover many of these expenses.

• Hospital stays
  Without a supplement plan, you'd pay a daily fee for up to 150 days.
• 
  Skilled nursing stays
  After 20 days, you could pay up to $144.50 a day at a skilled nursing facility without Medigap coverage.
• 
  Medicare Part B
  Medicare Part B's has a $140 yearly deductible. And with many medical services you'll have to pay 20% of the bill as coinsurance. A Medigap plan can help cover these costs.

What Do I Need To Get A Supplement Plan?

To get a Medicare Supplement plan, you'll need to be enrolled in Medicare Parts A and B. But you can't get a supplement plan if you are in a Medicare Advantage plan or Medicaid. There are 12 different types of Medicare Supplement plans all at varying costs. You'll want to find a plan that best fits you. For expert help in choosing the right one, work with our professional agents.

The More Coverage, The Better

A Medicare Supplement will provide coverage for many of the costs that your current Medicare plan doesn't cover. Out-of-pocket costs can add up - and the more coverage you get, the more money you can save if you find the right supplement plan.

If you think you need more coverage than your current Medicare plan provides, we can give you fast and free quotes to help you find a supplement plan that best fits your needs.

Click here for additional medicare supplement information and terms

Click here to learn about Part D, medicare's prescription drug coverage