MEDICARE SUPPLEMENT

REAL SENIOR MANAGEMENT

MEDICARE SUPPLEMENT

Medicare Supplement plans, or Medigap, helps fill in the gaps left in Original Medicare coverage.

Now, Original Medicare can provide much-needed coverage, but it doesn’t cover everything. With a Medicare Supplement plan, your clients can get out-of-pocket costs covered, such as coinsurance, copayments, deductibles, and more.

As an agent, your job is to help your clients understand the benefits of these plans while enrolled in Original Medicare, and help them determine if one of these supplements is right for them and their coverage needs.

Health Maintenance Organizations (HMO) Plans

In HMO plans, members are limited in where they receive their care, but will ultimately pay less out-of-pocket. This is because these plans will have their own provider networks their members can use to get their care from, and will also require that they choose a primary care physician and get referrals when a specialist is needed.

As an agent, here are a few things you need to bring awareness to for your client:

A Medigap policy is entirely different from a Medicare Advantage Plan. Medicare Advantage is seen as more of an alternative to Original Medicare, while a Medigap policy adds to your Original Medicare benefits
You have to pay a monthly premium to the provider (private insurance company) for your Medigap policy
- This monthly premium is an addition to the monthly Part B premium you have to pay to Medicare
A Medigap policy is only for one person. For example: If you and your partner both want Medigap coverage, you will have to buy two separate policies
You can only get a Medigap policy if you’re already enrolled in Original Medicare
Any Medigap policy is guaranteed to be renewable
Medigap doesn’t include prescription drug coverage. Therefore, if you need prescription drug coverage, you can sign up for a Medicare Prescription Drug Plan (Part D)
There are ten Medigap plans available: A, B, C, D, F, G, K, L, M, and N
Each supplement has a varying level of coverage

TAKE THE NEXT STEP WITH REAL SENIOR MANAGEMENT!

Whether you are an aspiring agent or a client who needs help better understanding all of your Medicare Options, Real Senior Management is your go-to agency. We are dedicated to providing our agents with the support they need to serve their clients and our clients the resources they need to better understand their Medicare options.

All you have to do is fill out this form or call our office today to learn how we could help you!

(770)-683-5552

47 Postal Parkway Newnan, Ga 30263

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We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.