Medicare provides beneficial coverage for health related expenses, but it does not cover all health care expenses. There are a number of gaps in Medicare coverage that you either pay for out-of-pocket or with private insurance. A Medicare supplement insurance policy is a health insurance policy (also called Medigap) sold by a private insurance company to help fill in some of those gaps.

Although private insurance companies provide Medicare supplement coverage, Medicare supplement insurance plans are strictly regulated by both federal and state government. Make an informed decision about what is right for you. Before you purchase a plan, make sure you understand what your Medicare coverage includes. Then choose a Medicare Supplement plan that best fits your needs.

A Medicare Supplement insurance policy helps you manage and budget your health care expenses and predictability and stability. A Medical Supplement insurance policy helps pay some of the out-of-pocket costs for Medicare-approved services and works hand-in hand with the Medicare to provide more insurance coverage.

A Medicare Supplement insurance policy has no restrictive networks, you can visit the physician of your choice, and you have freedom when choosing a health care provider, including specialists and specialty hospitals that accepts Medicare patients. With Automatic claims filing by most providers, you have less things to worry about.

Return any policy for any reason within 30 days after receipt for a full refund of all premiums.

You can go directly to the physicians and specialists you choose, that accept Medicare patients, without pre-certifications and pre-approvals.

No rate increase for the first 12 months, as long as the premiums are paid on time.

You always know what your benefits are with this standardized plan…no surprises or re-evaluations year-after-year.

No worries of reduced benefits or canceled coverage for the life of the policy, as long as the premiums are paid on time.

You are not restricted to use a network of health care providers. If you move, your coverage goes with you.

You control and choose the physicians who you trust for your care, that accept Medicare patients.