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Get Affordable
Medicare
Supplement
Insurance

Understanding Medicare isn’t easy — and it’s important to have the information you need to make the best decision for your retirement.

Whether you’re new to Medicare or looking to change coverage, we’re here to help give you expert guidance so you can make the best decision for you.

Coverage for your health and your budget

Did you know not all Medicare Supplement plans are the same? It’s true! Here’s why we’re different:

Innovative Plan G — save with a lower premium when you take a deductible for the first three calendar years¹

Option to switch to another plan once in the first two years — with no health questions²

We have preventive benefits built into our Innovative Plan G! You can also get access to the Silver&Fit^® program with our Medicare Supplement insurance policies.³

This Plan G Innovative Rider works hand-in-hand with our Plan G. Your deductible automatically goes away January 1 following your third calendar year. If you drop the Innovative Discount Rider before year three, your premium amount becomes the Plan G premium amount and the preventive coverage would end.
Available to first-time customers only.
The Silver&Fit program is provided by American Specialty Health Fitness, Inc. (ASH Fitness), a subsidiary of American Specialty Health Incorporated (ASH). Silver&Fit is a trademark of ASH and used with permission herein. Participating facilities and fitness chains may vary by location and are subject to change. Kits are subject to change. The Silver&Fit program is not available with Plan A. The Silver&Fit program is not insurance and may be discontinued at any time.

Which Medicare Supplement insurance plan is right for you?

Just answer seven (7) questions to see which plan fits you best.

There are no wrong answers!

Take the Assessment

Why is this coverage important?

Medicare supplement insurance helps cover expenses that Medicare doesn’t fully pay for, such as deductibles, co-payments and coinsurance. This additional coverage helps give you peace of mind knowing you have help paying for out-of-pocket expenses.

Get your free copy of the Quick Guide to Medicare and Medicare Supplement Insurance

This guide is a helpful resource if you’re new to Medicare and Medicare Supplement insurance. Use it as a resource to help navigate the basics. Get yours now!

Medicare 101

New to Medicare and need help navigating the four parts of Medicare, Medicare Supplement insurance and your options, rights and entitlements? Join us for a free education session.

Find a Session

Learn more about Medicare face to face

Medicare 101

New to Medicare and need help navigating the four parts of Medicare, Medicare Supplement insurance and your options, rights and entitlements? Join us for a free education session.

Find a Session

Explore your plans

Select a plan to see what it covers and the available discounts!

This Plan G Innovative Rider works hand-in-hand with our Plan G. Your deductible automatically goes away January 1 following your third calendar year. If you drop the Innovative Discount Rider before year three, your premium amount becomes the Plan G premium amount and the preventive coverage would end.
Available to first-time customers only.
The Silver&Fit program is provided by American Specialty Health Fitness, Inc. (ASH Fitness), a subsidiary of American Specialty Health Incorporated (ASH). Silver&Fit is a trademark of ASH and used with permission herein. Participating facilities and fitness chains may vary by location and are subject to change. Kits are subject to change. The Silver&Fit program is not available with Plan A.

Plan: Innovative Plan G

Best if: You expect minimal medical costs in the next 3 years, but want more coverage in the future.

Best if: You want a lower premium and are willing to pay a higher deductible for the first three years. After three years, your deductible goes away and your premiums remain lower. This plan is designed to pay more benefits later — when you're older and more likely to need health care.

Plan G with the Innovative Discount Rider pays the same benefits as Plan G after you have paid a calendar year $2,800 deductible (except preventive benefits). Benefits will not begin until your out-of-pocket expenses are $2,800. This is for the plan deductible in 2024. This amount may increase each year. This includes the Medicare deductibles for Part A and Part B, but does not include the plan’s separate foreign travel emergency deductible. Preventive benefits will be paid prior to the deductible being met.

**Amounts not paid by Medicare

*Ohio does not permit providers to balance bill, but if receiving care outside Ohio, this may not be the case.

Preventive health care expenses incurred by you for health care services to prevent or detect illness at an early stage, prior to the development of any symptoms, are subject to exclusions.

Plan: Plan G

Best if: You want broad coverage, but don't mind paying the Part B Deductible.

Best if: You're on a fixed income and like to budget your expenses. With Plan G, you can plan ahead knowing all you have to pay is your premium and Part B annual deductible for Medicare-approved charges.

*Ohio does not permit providers to balance bill, but if receiving care outside Ohio, this may not be the case.Plan: Plan G with Deductible Discount Rider

Best if: You expect minimal medical costs in the next 3 years, but want more coverage in the future.

Plan G with the Innovative Discount Rider, you must meet an annual Plan Deductible before the plan pays anything (except preventive benefits) each year. This deductible automatically goes away January 1, following your third calendar year in which your policy is in force. If you drop the Innovative Discount Rider before year three your premium amount becomes the Plan G premium amount.
Plan G with the Innovative Discount Rider pays the same benefits as Plan G after you have paid a calendar year $2,800 deductible (except preventive benefits). Benefits will not begin until your out-of-pocket expenses are $2,800. This is for the plan deductible in 2024. This amount may increase each year. This includes the Medicare deductibles for Part A and Part B, but does not include the plan’s separate foreign travel emergency deductible.

*Ohio does not permit providers to balance bill, but if receiving care outside Ohio, this may not be the case.Plan: High Deductible Plan G

Best if: You want low premiums in exchange for a yearly plan deductible.

Best if: You don't mind having a higher deductible. You would pay lower premiums for the life of the policy as long as you can afford a high deductible.

High Deductible Plan G pays the same benefits as Plan G after you have paid a calendar year $2,800 deductible (except preventive benefits). Benefits will not begin until your out-of-pocket expenses are $2,800. This is for the plan deductible in 2024. This amount may increase each year. This includes the Medicare deductibles for Part A and Part B, but does not include the plan’s separate foreign travel emergency deductible.

*Ohio does not permit providers to balance bill, but if receiving care outside Ohio, this may not be the case.Plan: Plan F

Best if: You want the most coverage to help lower your out-of-pocket costs on medical bills.

Best if: You don't mind paying a higher premium in exchange for getting the most coverage to help lower your out-of-pocket costs on medical bills.

*Ohio does not permit providers to balance bill, but if receiving care outside Ohio, this may not be the case.Plan: Innovative Plan F

Best if: You're not worried about medical costs today, but want more coverage in the future.

Best if: You want lower premiums and are okay with paying a higher deductible for the first three years. After that, your deductible goes away and your premiums remain lower. You also don't have to pay the Part B deductible.

With Plan F with the Innovative Discount Rider, you must meet an annual Plan Deductible before the plan pays anything (except preventive benefits) each year. This deductible automatically goes away January 1, following your third calendar year in which your policy is in force.
Plan F with the Innovative Discount Rider pays the same benefits as Plan F after you have paid a calendar year $2,800 deductible (except preventive benefits). Benefits will not begin until your out-of-pocket expenses are $2,800. This is for the plan deductible in 2024. This amount may increase each year. This includes the Medicare deductibles for Part A and Part B, but does not include the plan’s separate foreign travel emergency deductible. If you drop the Innovative Discount Rider before year three your premium amount becomes the Plan F premium amount.

*Ohio does not permit providers to balance bill, but if receiving care outside Ohio, this may not be the case.Plan: Plan F with Deductible Discount Rider

Best if: You're not worried about medical costs today, but want more coverage in the future.

*Ohio does not permit providers to balance bill, but if receiving care outside Ohio, this may not be the case.Plan: High Deductible Plan F

Best if: You want low premiums in exchange for a yearly plan deductible.

Best if: You don't mind having a higher deductible. You would pay lower premiums for the life of the policy as long as you can afford a high deductible.

High Deductible Plan F with $2,800 Deductible pays the same benefits as Plan F after you have paid a calendar year $2,800 deductible. Benefits will not begin until your out-of-pocket expenses are $2,800. This is for the plan deductible in 2024. This amount may increase each year. This includes the Medicare deductibles for Part A and Part B, but does not include the plan’s separate foreign travel emergency deductible.

*Ohio does not permit providers to balance bill, but if receiving care outside Ohio, this may not be the case.Plan: Plan A

Best if: You only want basic benefits and can afford to pay more medical bills.

Best if: You don't go to the doctor often — only needing basic benefits and can afford to pay more medical bills.

*Ohio does not permit providers to balance bill, but if receiving care outside Ohio, this may not be the case.

Plan: Plan B

Best if: You only want basic benefits and can afford to pay more medical bills.

Plan: Plan N

Best if: You want lower premiums in exchange for co-pays.

1. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that do not result in an inpatient admission. Co-payment amount may increase each year.

Plan: Classic Comprehensive Plan L537

Best if: You want the most coverage to help lower your out-of-pocket costs on medical bills.

Best if: You’re on a fixed income and like to budget your expenses. With the Classic Comprehensive Plan, you can plan ahead knowing all you have to pay is your premium.

Plan: Classic Innovative Plan L537/F011

Best if: You expect minimal medical costs in the next 3 years, but want more coverage in the future.

Plan: Classic High Deductible Plan L539

Best if: You want low premiums in exchange for a yearly plan deductible.

Best if: You don’t mind having a higher deductible. You would pay lower premiums for the life of the policy as long as you can afford a high deductible.

Plan: Premier Comprehensive Plan L538

Best if: You want broad coverage, but don’t mind paying the Part B deductible.

Best if: You don’t mind paying a higher premium in exchange for getting the most coverage to help lower your out-of-pocket costs on medical bills.

Plan: Premier Innovative Plan L538/F012

Best if: You’re not worried about medical costs today, but want more coverage in the future.

Best if: You want lower premiums and are okay with paying a higher deductible for the first three years. After that, your deductible goes away and your premiums remain lower.

Plan: Premier High Deductible Plan L536

Best if: You want low premiums in exchange for a yearly plan deductible.

Best if: You don’t mind having a higher deductible or paying the Part B annual deductible. You would pay lower premiums for the life of the policy as long as you can afford a high deductible.

Plan: Basic Plan L535

Best if: You only want basic benefits and can afford to pay more medical bills.

Best if: You don’t go to the doctor often — only needing basic benefits and can afford to pay more medical bills.

Plan: Basic Plan S040Best if: You don’t go to the doctor often — only needing basic benefits and can afford to pay more medical bills.Best if: You don’t go to the doctor often — only needing basic benefits and can afford to pay more medical bills.

*Home health care benefits payable up to usual and customary charge amounts. Additional amounts are patient responsibility. This policy will pay for the usual and customary cost of medically necessary chiropractic services received from a chiropractor which are not payable under Medicare.

Plan: Premier High Deductible Plan S041Best if: You want low premiums in exchange for a higher yearly plan deductible.Best if: You don’t mind having a higher deductible or paying the Part B annual deductible. You would pay lower premiums for the life of the policy as long as you can afford a high deductible.

With the Premier High Deductible Plan, you must meet an annual plan deductible of $2,800 each year, before the plan pays anything, for the life of the policy. Preventive care benefits are payable with no deductible requirement.

Plan: Premier Comprehensive Plan S042Best if: You don’t mind paying a higher premium in exchange for getting the most coverage.Best if: You don’t mind paying a higher premium in exchange for getting the most coverage to help lower your out-of-pocket costs on medical bills.

Plan: Premier Innovative Plan S042/F021Best if: You want lower premiums and are okay with paying a higher deductible for the first three years.Best if: You want lower premiums and are okay with paying a higher deductible for the first three years. After that, your deductible goes away and your premiums remain lower.

With the Premier Innovative Plan, you must meet an annual plan deductible of $2,800 each year before the plan pays anything. This deductible goes away January 1, following the end of the third calendar year in which your policy is in force. Preventive care benefits are payable with no deductible requirement.

Part APart A initial hospital deductible (each benefit period)Daily rate for days 61-90 in a hospitalHospital: Daily rate for days 91-150 (lifetime reserve)First 3 pints of blood each year100% of eligible expenses for 365 additional days after Medicare benefits endDaily rate for days 21-100 in a skilled nursing facilityHospice care coinsurancePart BPart B annual deductiblePart B coinsurance — percentage of Medicare-approved amount (after Part B deductible)100% of Medicare Part B excess charges*Home health care visits (first 40 visits beyond Medicare Benefits)*Additional home heath care visits (extends visits to 365)*Foreign travel — coverage when traveling outside the USACovered Preventive Care**

Do you have questions?

We’re happy to help — call now!

1-800-228-91001-800-228-9100

Which Medicare Supplement insurance plan is right for you?

Just answer seven (7) questions to see which plan fits you best.

There are no wrong answers!

Take the Assessment

Coverage for your health and your budget

Did you know not all Medicare Supplement plans are the same? It’s true! Here’s why we’re different:

Innovative Plan G — save with a lower premium when you take a deductible for the first three calendar years¹

Option to switch to another plan once in the first two years — with no health questions²

We have preventive benefits built into our Innovative Plan G! You can also get access to the Silver&Fit^® program with our Medicare Supplement insurance policies.³

This Plan G Innovative Rider works hand-in-hand with our Plan G. Your deductible automatically goes away January 1 following your third calendar year. If you drop the Innovative Discount Rider before year three, your premium amount becomes the Plan G premium amount and the preventive coverage would end.
Available to first-time customers only.
The Silver&Fit program is provided by American Specialty Health Fitness, Inc. (ASH Fitness), a subsidiary of American Specialty Health Incorporated (ASH). Silver&Fit is a trademark of ASH and used with permission herein. Participating facilities and fitness chains may vary by location and are subject to change. Kits are subject to change. The Silver&Fit program is not available with Plan A. The Silver&Fit program is not insurance and may be discontinued at any time.

Why is this coverage important?

Get your free copy of the Quick Guide to Medicare and Medicare Supplement Insurance

This guide is a helpful resource if you’re new to Medicare and Medicare Supplement insurance. Use it as a resource to help navigate the basics. Get yours now!

Medicare 101

New to Medicare and need help navigating the four parts of Medicare, Medicare Supplement insurance and your options, rights and entitlements? Join us for a free education session.

Find a Session

Learn more about Medicare face to face

Medicare 101

New to Medicare and need help navigating the four parts of Medicare, Medicare Supplement insurance and your options, rights and entitlements? Join us for a free education session.

Find a Session

Get answers to your questions

Medicare FAQs

Get help understanding how Medicare and Medicare Supplement Insurance work.

Go to FAQs

Why choose us

Find out why a conversation with us can mean a lifetime of confidence.

Tell Me More

Get advice from our knowledgeable Agents

One of the easiest ways to choose your coverage is to talk to one of our Agents. They’ll walk you through the process, step by step.

Agent Debbie C. with customer Lynn R.

Want to talk to an agent?

Our friendly Medicare Supplement insurance agents are ready to help!

Call 1-800-228-91001-800-228-9100 to speak with one of our company representatives

Additional resources

Guide to Choosing a Medigap Policy

Medicare & You 2024

Quick Guide to Medicare and Medicare Supplement

Free Education Session: Medicare 101

Why Choose Us

Guide to Choosing a Medigap Policy

Medicare & You 2024

Quick Guide to Medicare and Medicare Supplement

Free Education Session: Medicare 101

Why Choose Us

Part A — Hospital Insurance (Original Medicare)

Benefits help cover inpatient care in hospitals, skilled nursing facilities, hospice and medically necessary home health care
Most people do not pay a premium

Part B — Medical Insurance (Original Medicare)

Benefits help cover services provided by doctors and other health care providers, outpatient care, durable medical equipment, home health care and some preventive services
Most people pay the standard Medicare Part B premium

Part C — Medicare Advantage (MA)

Offers health plans run by Medicare-approved insurance companies
Enrollment is optional and replaces Original Medicare
If you go with an MA plan, you can’t get Medicare Supplement insurance

Part D — Prescription Drug Coverage

Benefits help pay for prescription drug costs
Enrollment is voluntary
Plans are available through private insurance companies approved by Medicare
Premiums and benefits vary by plan

Even if you have Medicare, there may be costs you must pay on your own. Medicare Supplement insurance (also called Medigap) from Physicians Select can help. This is private insurance you can buy to help pay bills Medicare may not cover.

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

Am I automatically enrolled in Medicare?

Yes. If you are receiving Social Security or Railroad Retirement benefits, you are automatically enrolled when you turn 65.

View all FAQs

Questions about Medicare Supplement insurance? Let’s get in touch!

1-800-228-91001-800-228-9100

Questions about Medicare Supplement insurance?

Let’s get in touch!

1-800-228-91001-800-228-9100

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Get Affordable
Medicare Supplement Insurance

Get Affordable
Medicare Supplement Insurance

View quote and get started

Which Medicare Supplement insurance plan is right for you?

Coverage for your health and your budget

Why is this coverage important?

Get your free copy of the Quick Guide to Medicare and Medicare Supplement Insurance

Medicare 101

Learn more about Medicare face to face

Medicare 101

Get answers to your questions

Medicare FAQs

Why choose us

Get advice from our knowledgeable Agents

Want to talk to an agent?

Additional resources

Top frequently asked questions

Part A — Hospital Insurance (Original Medicare)

Part B — Medical Insurance (Original Medicare)

Part C — Medicare Advantage (MA)

Part D — Prescription Drug Coverage

Questions about Medicare Supplement insurance? Let’s get in touch!

Let’s get in touch!

Still unsure?

Get Affordable Medicare Supplement Insurance

Get Affordable Medicare Supplement Insurance

View quote and get started

Which Medicare Supplement insurance plan is right for you?

Coverage for your health and your budget

Why is this coverage important?

Get your free copy of the Quick Guide to Medicare and Medicare Supplement Insurance

Medicare 101

Learn more about Medicare face to face

Medicare 101

Get answers to your questions

Medicare FAQs

Why choose us

Get advice from our knowledgeable Agents

Want to talk to an agent?

Additional resources

Top frequently asked questions

Part A — Hospital Insurance (Original Medicare)

Part B — Medical Insurance (Original Medicare)

Part C — Medicare Advantage (MA)

Part D — Prescription Drug Coverage

Questions about Medicare Supplement insurance? Let’s get in touch!

Let’s get in touch!

Still unsure?

Get Affordable
Medicare Supplement Insurance

Get Affordable
Medicare Supplement Insurance