Enhance Your Medicare Coverage with a Supplemental Plan

Find the right Medicare Supplement insurance to cover what Medicare doesn’t.

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Understanding Medicare Supplement Insurance

Explanation: Medicare Supplement insurance, also known as Medigap, helps cover costs that Original Medicare doesn’t, such as copayments, coinsurance, and deductibles.

Local relevance: In Colorado, these plans are essential for managing out-of-pocket healthcare expenses.

Why Medicare Supplement Insurance Matters

Lower Out-of-Pocket Costs: Covers deductibles, copays, and other expenses not included in Original Medicare.
Freedom to Choose Providers: See any doctor that accepts Medicare, without network restrictions.
Peace of Mind: Predictable costs make it easier to budget for healthcare.
Travel Coverage: Plans may offer coverage while traveling, even internationally.

What Does a Medicare Supplement Plan Cover?

Hospital Costs: Covers Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used.
Medical Expenses: Helps with Part B copayments and coinsurance.
Blood Coverage: Covers the first three pints of blood needed annually.
Foreign Travel Emergency: Some plans provide coverage for emergencies while traveling abroad.

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Frequently Asked Questions

What’s the difference between Medicare and Medigap?

Medicare and Medigap serve different purposes in healthcare coverage. Medicare is a federal health insurance program primarily for individuals aged 65 and older or those with certain disabilities. It includes Part A (hospital insurance) and Part B (medical insurance), with optional Part D for prescription drugs. However, Medicare doesn’t cover all costs, leaving gaps like copayments, deductibles, and coinsurance. Medigap, or Medicare Supplement Insurance, is a private insurance policy designed to cover these out-of-pocket expenses not paid by Medicare. While Medicare provides basic coverage, Medigap enhances it by reducing your financial burden for healthcare services.

What Medicare Supplement plans are available in Colorado?

In Colorado, Medicare Supplement (Medigap) plans include A, B, C, D, F, G, K, L, M, and N, offering coverage for out-of-pocket costs not covered by Medicare. Plan F (for those eligible before 2020) and Plan G are the most comprehensive, while Plan N offers lower premiums with some copays. Plans K and L have lower premiums but higher out-of-pocket costs. Availability and costs vary, so compare options to find the best fit.

Can I switch my plan during open enrollment?

Yes, you can switch your Medicare plan during the Medicare Open Enrollment Period, which runs annually from October 15 to December 7. During this time, you can change between Medicare Advantage plans, switch back to Original Medicare, or adjust your Part D prescription drug coverage. If switching Medigap plans, medical underwriting may apply unless you’re within a guaranteed issue period. Always review your current coverage and compare options to ensure the new plan meets your needs.