Medicare Supplement

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By the time you need elder care, you may not have the resources to cover its cost.

Did you know Medicare won’t cover all your health care costs? Medicare Supplement Insurance—or Medigap—lets you avoid financial surprises by filling the gap between what original Medicare pays and what you pay out-of-pocket.

And, enrolling in a supplemental insurance plan when you first become eligible may help reduce your costs2 later.

With Medicare Supplement Insurance you help manage your health care decisions and you control your:

  • Copayments
  • Coinsurance
  • Deductibles

Medicare Coverage

Medicare insurance comes in several parts with varying degrees of services covered. The four major parts are:

  • Medicare Hospital Insurance (Part A) covers hospital stays (semiprivate rooms), tests performed in the hospital, food and doctor’s fees.
  • Medicare Medical Insurance (Part B) covers some services not covered by Part A, usually on an outpatient basis, including:
    • Ambulance transportation
    • Blood transfusions
    • Chemotherapy
    • Common x-rays
    • Drugs administered during an office visit
    • Hormone treatments
    • Immunosuppressive drugs (for recent organ transplant patients)
    • Lab tests
    • Outpatient treatments
    • Renal dialysis
    • Surgeries
    • Vaccines for pneumonia and flu
  • Medicare Advantage (Part C)
  • replaces the original Medicare plans (Parts A and B), with private health insurance. Since 2003, these plans have been supplemented with prescription plan coverage and are now called Medicare Advantage.
  • Medicare Prescription Drugs (Part D) is prescription drug coverage for Medicare beneficiaries who choose to enroll in either a standalone drug plan or Medicare Advantage (Part C) with prescription drug coverage.

Medicare Exclusions

Many services are not covered by Medicare. They may include:

  • Long-term care. Medicare only pays for medically “necessary” care provided by a medical professional in a nursing home or during skilled home health care.
    • Custodial care (or activities of daily living): walking, getting in and out of bed, dressing, bathing, toileting, shopping, eating, and taking medicine
    • More than 100 days of skilled nursing home care during a benefit period following a hospital stay.
  • Homemaker services
  • Private-duty nursing
  • Dental care and dentures
  • Health care received while traveling outside the United States
  • Cosmetic surgery
  • Routine foot care
  • Routine eye care, eyeglasses (except after cataract surgery)
  • Hearing aids

Supplemental Coverage

Medicare supplement (or Medigap) insurance can be an affordable way to pay for the health care you need but isn’t covered by original Medicare coverage. Supplemental coverage may help limit your annual out-of-pocket medical expenses.

Medicare Supplement Insurance

  • Allows you to choose your own healthcare provider
  • Covers up to 100% of Medicare deductibles and coinsurance

Medicare Advantage1

  • Offers competitive premiums and copayments
  • Requires you to see an in-network provider for some plans

Medicare Part D

  • Covers an extensive list of prescription drugs
  • Includes a large and accessible pharmacy network

Our experienced agents will explain the benefits and costs so you can find the right plan for you. Contact us today to make sure you’re covered against rising health care costs.

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1Medicare insurance options - Medicare Supplement, Medicare Advantage and Medicare Part D Prescription Drug plans - are underwritten by private insurance companies and are not affiliated with Medicare or any government agency. Medicare insurance options are made available through an arrange¬ment made by Senior Market Sales, Inc. Medicare MarketPlace® is a service of Senior Market Sales, Inc.

2The Initial Enrollment Period (IEP) for Medicare for people turning 65 lasts seven months (this may also be referred to as Open Enrollment). It starts three months before your birth month, includes your birth month and extends three months after your birth month. In most cases, during this period you can enroll in any available Medicare Supplement, Medicare Advantage and/or Medicare Part D plan, regardless of your health and/or any pre-existing conditions except end-stage renal disease (ESRD).

Residents of MD, MS, and NC who are under age 65 and receive Medicare benefits due to disabilities have a special open enrollment period when they are guaranteed acceptance purchasing a Medicare Supplement policy. BB&T Insurance Services, Inc., is the referring licensed insurance agency.