Medicare Supplements

Medicare Supplements in Lubbock, TX Fill the Gaps in Your Medicare Coverage

Medicare Supplemental Insurance, also known as Medigap, is private health insurance that you can buy to help cover out-of-pocket costs that Original Medicare (Parts A and B) doesn't cover, like copayments, coinsurance, and deductibles

What Are Medicare Supplements?

Medicare Supplements, also known as Medigap, are private health insurance plans that work alongside Original Medicare (Parts A and B) to help cover additional medical costs not paid by Medicare, such as copayments, coinsurance, and deductibles.

Key Benefits of Medicare Supplements

• Expanded coverage for expenses not included in Medicare (hospital stays, outpatient care, etc.)

• Freedom to see any doctor who accepts Medicare

• Helps reduce out-of-pocket costs for medical care

• Guaranteed renewable as long as premiums are paid

• No referrals required to see specialists

Medicare Supplements work by covering out-of-pocket expenses that Original Medicare doesn’t cover. These can include:

• Part A coinsurance (for hospital stays)

• Part B coinsurance (for doctor visits and outpatient services)

• Part A and B deductibles

• Excess charges for services outside of Medicare-approved providers

How Do Medicare Supplements Work?

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Difference Between Medicare Advantage and Medicare Supplements

• Medicare Advantage (Part C): An all-in-one plan that includes Medicare Part A, B, and often Part D (prescription drug coverage), with additional benefits like dental and vision coverage.

• Medicare Supplements: Supplements Original Medicare (Parts A and B) by covering gaps but does not replace it.

• Have Original Medicare and need additional coverage

• Want to reduce their out-of-pocket medical expenses

• Want to stay with their current doctors or specialists who accept Medicare

• Are seeking stable premiums with coverage that’s guaranteed to renew

Who Should Consider Medicare Supplements?

How to Choose the Right Medicare Supplement Plan?

• Evaluate your healthcare needs (e.g., do you need extensive hospital care or routine outpatient services?)

• Compare premiums and coverage options

• Understand the benefits of each plan letter (Plans A, B, C, etc.)