Medicare is a health insurance program that pays for many health care services — but there are still costs you must pay on your own.

Medicare is a health insurance program provided by the federal government for:

• People 65 or older
• People under 65 with certain disabilities
• People of any age with end-stage renal disease (permanent kidney failure requiring dialysis or a kidney transplant)

Since Medicare is federally run, eligibility guidelines are normally the same throughout the country.

Medicare pays for many health care services, but there are still costs you must pay on your own. To help lower your out-of-pocket expenses, consider Medicare Supplement insurance from us. This important coverage can help pay medical expenses not covered by Medicare, such as coinsurance, co-payments and deductibles.

Do you have questions about Medicare? Call us anytime, we're happy to help! 1-800-228-91001-800-228-9100

No. Medicare typically doesn't cover 100% of your out-of-pocket costs for medical bills.¹ As great as Medicare is, it was never intended to pay for everything. To help cover these out-of-pocket costs, many people get a Medicare Supplement plan.

1. "Why Doesn't Medicare Reimbursement Cover 100% of My Medical Bills?" eHealth, ehealthinsurance.com, March 4, 2022

Medicare Supplement Insurance can help cover medical expenses not covered by Medicare.

Medicare Supplement (or Medigap) insurance can help cover medical expenses not covered by Medicare. Because it pays in addition to your Medicare benefits, Medicare Supplement insurance can help reduce the amount of money you must pay on your own and can help protect your retirement savings.

The Basics

If Medicare does cover a service, you could still have out-of-pocket expenses you must pay such as deductibles, co-payments or coinsurance. Medicare Supplement insurance can help lower your out-of-pocket medical costs.

Plus:

• It allows you to choose your own Medicare-approved doctors and hospitals — A referral is not needed by us, but always check with Medicare to see if service is covered or needs a referral.
• Your coverage is guaranteed renewable as long as you pay your premiums on time.
• Even if you move or travel within the U.S., your coverage stays with you.
• If you have open enrollment or guaranteed issue rights, your coverage is guaranteed — there are no health questions to answer.

Know the best time to buy

The best time is during your Open Enrollment Period. Generally, it begins on the first day of the month in which you turn 65 or you are enrolled in Medicare Part B (persons eligible for Medicare due to disability may also qualify for open enrollment for Medicare Supplement insurance regardless of age). It lasts for six months, and you cannot be turned down during this time. After this period, your options may be limited.

Get help when you need it

When you're ready, talk with one of our educated and friendly agents who can help you sort out all the details and customize the best option for you.

How much coverage do you need?

The average Medicare recipient has more than $18,620 in health care costs each year.¹ When deciding on the best Medicare Supplement insurance for you, take time to consider your health care needs. Also think about medical expenses you may be responsible for, such as deductibles, co-payments and coinsurance. One of our friendly agents can help you customize coverage just right for you.

Do you have questions about Medicare Supplement insurance? Call us anytime, we're happy to help! 1-800-228-91001-800-228-9100

1. “Medicare Current Beneficiary Survey,” Centers for Medicare & Medicaid Services, (Released in September 2020 in the “Older Americans 2020 Key Indicators of Well-Being”). Data is inflation-adjusted to 2017, using Consumer Price Index. Health care costs include Physician Services, Prescription Drug Charges, Outpatient Hospital Care, Inpatient Hospital Care, Home Health Care, Preventive Services, Short-Term Institution Care, Long-Term Care Facility Costs and Hospice Care.

Our Innovative Plan G¹ is a smarter way to manage your health care costs. This exclusive plan not only provides a lifetime* of savings, but also gives you the flexibility to make informed decisions about your health care coverage.

What it is …

Our Innovative Plan G is a simple way for you to save money on your premiums for life. For the first three calendar years (January 1 to December 31) you have your policy, you’ll pay your share of medical costs up to the yearly deductible.² Once you meet the deductible, your coverage works like a standard Plan G.

After those three calendar years, the deductible goes away, and you can still enjoy premium savings.