Personal Insurance

Medicare Supplemental Insurance

Medicare Supplemental policies add your existing Medicare Coverage – and more

A supplemental insurance plan (also called “Medigap”) is private health insurance designed to supplement original Medicare.

photo medicareThis means it helps pay some of the health care costs (“gaps”) that original Medicare doesn’t cover (such as co-payments, co-insurance and deductibles).

photo medicareMedicare supplemental insurance plans may also cover certain things that Medicare doesn’t.

If you are in original Medicare and you have a Medicare supplemental insurance plan, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your supplemental insurance plan pays its share.

Every supplemental insurance plan must follow federal and state laws designed to protect you. Medicare supplemental plan insurance companies can only sell you a “modernized” supplemental insurance plan identified by letters A through N.

icon-medicare-supplementEach modernized supplemental insurance plan must offer the same basic benefits, no matter which insurance company sells it.

Cost is usually the only difference between supplemental insurance plans sold by different insurance companies. Compare the Medicare supplemental insurance plan benefits by clicking on our Quoting Link above.

The following agents are trained in this specialized area of coverage:

Jay Semaan:
jsemaan@hmbd.com
Travis England:
tengland@hmbd.com
Dan Roddy:
danrod@hmbd.com