Our Medicare Supplement (Medigap) Partners

The most popular Medicare Supplements(Medigap Plans) are Plans F, G and N. Plan F is not available to those that become eligible for Medicare on or after 01/01/2020. Since the standardization of Medicare Supplements(Medigap Plans), all letter plans have the exact same benefits...Plan F is Plan F, no matter which company. The only difference is the price, as some companies charge more than others for the same plan. It's a good idea to shop and compare prices. All companies underwrite various health conditions differently, so even if you've wanted to change companies and have been declined in the past, chances are excellent that I can find a company for you. Being an Independent Agent, I represent dozens of companies so that I can get you the most coverage at the best price. 

Medicare Part A Coinsurance and Hospital Costs: For most hospital stays, Medicare pays all of the first 60 days except for a $1,632 deductible, all but $408 per day  the 61st through the 90th day, all but $816 per day the 91st through the 151st day (one time), and nothing after the 151st day. All plans pay for these copays as well as 100% of an additional 365 days.

Medicare Part B Coinsurance or Copayment: Generally, Medicare pays 80% of these costs, after a $240 annual deductible. All plans pay for some or all of the remaining 20%.

Blood, First Three Pints: All plans pay for some or all of the fist three pints. Medicare pays 100% of any additional blood needed.

Part A Hospice Care Coinsurance or Copayments: All plans pay for some or all of the Medicare copayment or coinsurance. Medicare pays for all remaining approved hospice care costs.

Skilled Nursing Facility Care Coinsurance: This is a facility that handles the required daily involvement of skilled nursing or rehabilitation staff. Examples of skilled nursing facility care include intravenous injections and physical therapy. Medicare pays all of the first 20 days, all but $204 per day  the 21st through the 100th day of approved costs. Medicare pays nothing after the 100th day.  The plans pay all, some or none of the first 100 days deductibles or copays.

Part A Deductible: This is a hospital stay deductible. The amount in 2024 is $1,632 per stay. The plans pay for all, some, or none of the deductible.

Part B Deductible: This is a yearly deductible you must pay before receiving any covered Part B benefits like doctor visits and most other outpatient services. For 2024 this deductible is $240. Only Plans C and F pay for this deductible. Plans C and F aren't available to those becoming eligible for Medicare on or after 01/01/2020.

Part B Excess Charges: This is an amount that a health care provider is allowed to charge above the Medicare approved amount.  Only  Plans F and G  pay this benefit.

Foreign Travel Emergency: This is medically necessary emergency care not covered by Medicare. The benefit is generally 80% to a lifetime maximum of $50,000 with a $250 deductible. Most Plans pay this benefit.

Medicare is a complex and often confusing subject.  If you are turning 65 or older you have, no doubt seen many TV ads, read lots of brochures and flyers mailed to you, and even attended some informational meetings about Medicare and all the additional programs in which you can enroll.

Many seniors tell us that all this information can make the subject even more confusing, and that making choices is almost an uninformed gamble.

Medicare Eligibility
Medicare is a federal health insurance program for U.S. citizens and legal residents. In addition, you must be:
Age 65 or older.
Younger than 65 with a qualifying disability.
Any age and have End Stage Renal Disease(permanent kidney failure requiring dialysis or a kidney transplant. It’s also called ESRD) or ALS(Lou Gehrig"s Disease).
Were first eligible because you were covered under a group health plan based on current employment (or a spouse’s) you can sign up for Part A and/or Part B anytime you’re still covered by the group health plan or during the 8-month period that begins the month after employment ends or the coverage ends, whichever happens first.
What does Medicare Part A cover?
A Semi Private Room and meals
Lab Tests,  X-Rays, and Radiation Treatment as an Inpatient
Operating Room and Recovery Room Services
Drugs, Medical Supplies and Equipment as an Inpatient
Care in Special Units Like Intensive Care
Skilled Nursing Facility Care
Rehabilitation Services
Nursing Home Care (as long as custodial care isn’t the only care you need)
Home Health Services
Hospice Care

What does Medicare part B cover?
Doctors visits
Outpatient Medical Services
Clinical Laboratory Services
Ambulance services
Durable medical  equipment
Some Preventive Care
Mental Care as an Outpatient
Limited Skilled Nursing Care
Getting a second  opinion before surgery
Limited outpatient prescription drugs
Limited Home Care
Limited physical and occupational therapy

What does Medicare part A cost?
Most people don’t have to pay a monthly payment, called a premium for Part A. This is because they or a spouse paid Medicare taxes while working. Most people turning 65 are automatically enrolled in Part A if they have worked a total of 40 quarters in total.
If a beneficiary (a person eligible for Medicare) doesn’t get premium-free Part A, they may be able to buy it if they or their spouse aren’t entitled to Social Security, because they didn’t work or didn’t pay enough Medicare taxes while working, are age 65 or older, or are disabled but no longer get free Part A because they returned to work.

What does Medicare Part B cost?
The standard Part B premium amount in 2024 will be $174.70 per month (or higher depending on your income).  *Your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount. If so, you'll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.
If your modified adjusted gross income as reported on your IRS tax return is above a certain amount ($103,000 filing individually or $206,000 filing jointly) you may pay more than the standard premium. The standard premium may be higher if you didn’t sign up for Part B when you first became eligible. The cost of Part B will go up 10% for each full 12-month period that you could have had Part B but didn’t sign up for it.  You will have to pay this penalty as long as you have Part B.