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Why do you need Medigap insurance?

Traditional Medicare can require a significant amount of out-of-pocket payments, so how do you pay for these “gaps” in coverage? Medigap is an insurance policy meant to pay for the additional costs of Original Medicare and is one of many private-sector Medicare-related coverages that has grown up around government programs. This booming market of Medicare-related products is one of the fastest-growing segments of the U.S. health insurance industry overall. It is our mission at Medigap-Quotes to help seniors, and other Medicare eligible individuals, understand these products and provide tools to assist in the decision making process.

In order to inform your decision, here are some basics for three popular Medicare-related coverages:

Medicare Supplemental Plans

Otherwise referred to as “Medigap” insurance, these plans help pay for “gaps” in Original Medicare and include minimal standard coverages. Medigap insurance is a supplemental plan; therefore, one must already be enrolled in Traditional Medicare. Different enhanced coverages are offered and approved by each state.

Learn More About Medigap

Medicare Part C Plans

Otherwise referred to as “Medicare Advantage”, these plans replace traditional Medicare with any of several managed-care style programs that require little or no out-of-pocket payments. They work like an HMO or PPO health plans. They limit out-of-pocket expenses every year and require you to stay in-network for services that sometimes include drug coverage.

Learn More About Part C Plans

Medicare Part D Plans

Covers the cost of outpatient prescription drugs - and supplement either traditional Medicare or, in some cases, a Part C managed care plan. They have a Formulary or List of Covered Drugs and only Formulary drugs count as out-of-pocket. Plans include three levels of covered expenses.

Learn More About Part D Plans

Seniors qualify for full Medicare benefits at age 65 or older if they area a U.S. citizen or permanent legal resident who has lived in the U.S. for at least five years. Some plans also require minimum working periods in which you paid Medicare taxes to avoid premiums. Medicare-related plans are regulated by each state and approved for sale within geographic service areas. These service areas can be organized on a county, city, or even neighborhood basis in larger urban markets. If you move into a new service area during a coverage period, a Special Enrollment Period will allow you to enroll in a new plan or switch back to traditional Medicare.

Selecting the right Medicare-related plan can be a difficult decision, especially considering the number of plans that are available. In some cases, there can be up to 380 Supplement and Part C options available and 64+ Part D plans to choose from. We are here to help make that decision easier. By providing information, tools, and the resources to get a quick and reliable quote, the path to filling the “gap” in your Medicare coverage has never been easier.