Compare & Enroll in the Best Medicare Supplement & Medigap Insurance Plans
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Medicare Supplement Insurance, also known as Medigap Insurance, covers items not typically covered by Medicare Part A and Medicare Part B. These policies come in standardized flavors, and are offered by many leading private health insurance companies at many affordable price points:

At age 65, most people are automatically entitled to Medicare Part A. This is the part of Medicare that will typically cover your hospitalization expenses.You may also have to enroll in Medicare Part B and pay the associated monthly premium by visiting your local Social Security Administration office. Medicare Part B typically covers office visits, diagnostics and some prescription drugs.

Since original Medicare does not cover Prescription drugs, Medicare Part D legislation was passed in 2006 allowing you to buy a Prescription drug plan from private insurance companies. It is essential that you secure prescription drug coverage if you are not enrolled in a group or union health insurance plan that offers prescription drug benefits. The best Medicare Part D prescription drug plan will depend largely on your actual prescription needs. So best to give us a call and we will help you determine what is the most appropriate Medicare Part D plan for your needs. Remember, you may be able to get your prescription drug coverage either in a stand alone prescription drug plan or combined with a Medicare Advantage (also known as Medicare Part C) plan.

A Medigap policy can help you pay for expenses not covered by Medicare Part A and Medicare Part B. A Medigap insurance policy is optional and can cover deductibles, copays and coinsurance you otherwise would be responsible for under original Medicare. At Clarify insurance, an experienced agent can help you determine whether a Medigap insurance policy would make sense for you. There are many standardized Medicare Supplement Insurance Plans to choose from at affordable prices from leading health insurance companies.

You may elect to enroll in a Medicare Advantage plan, also known as Medicare Part C. This is a type of Medicare health coverage offered by private health insurance companies that contract with Medicare to provide you with Medicare Part A and Medicare Part B benefits. Many Medicare Advantage plans integrate Prescription drug benefits into their plans. You do not have to enroll in a Medicare Advantage Plan, it is optional as well. Medicare Advantage plans are offered in different flavors including HMOs, Regional PPOs, Private Fee For Service Plans (PFFSP), Special Needs Plans (SNP) and Medicare Medical Savings Account (MSA) Plans. To learn more about Medicare Advantage Plans with or without integrated Prescription Drug Benefits, please give us a call. There is no added cost or obligation to you whatsoever.

So when you turn 65 you could:

  • Opt to stay with Medicare Part A and Medicare Part B (also know as original Medicare) and enroll in a standalone Medicare Prescription Drug Plan (Medicare Part D) OR
  • Enroll in a Medigap plan (also know as Medicare Supplement Insurance)to cover what original Medicare does not cover and also enroll in a standalone Prescription Drug Plan OR
  • Enroll in a Medicare Advantage (also known as Medicare part C)plan that includes Prescription drug benefits OR
  • Enroll in a Medicare Advantage Plan that does not include Prescription Drug Benefits AND a standalone Prescription Drug Plan.

So give us a call and we will help you navigate all your options and select the coverage that best meets your needs, budget and circumstances. There is never any added cost or obligation to you.