Extra Coverage
Medicare Supplement Insurance for Peace of Mind
Our Medicare supplement plans help cover the healthcare costs that Medicare doesn’t. Enjoy the freedom to focus on your health, knowing you’re fully protected against out-of-pocket expenses.
Know Your Coverage
Medicare Supplement FAQs
Medicare supplement insurance can feel complex. Here, we answer common questions to help you understand this valuable coverage.
What is Medicare supplement insurance?
Medicare supplement insurance, also known as Medigap, helps cover healthcare costs not paid by Original Medicare, including deductibles, copayments, and coinsurance. This additional coverage allows you to access the care you need without worrying about out-of-pocket expenses that Medicare alone may not cover.
Who is eligible for Medicare supplement insurance?
Medicare supplement insurance is available to anyone enrolled in Medicare Part A and Part B. You’re eligible during specific enrollment periods, like when you first turn 65 or when you switch from another plan. We can help you navigate eligibility and enrollment to ensure seamless coverage.
What’s the difference between Medicare Advantage and Medicare supplement plans?
Medicare Advantage is an alternative to Medicare that combines Parts A and B (and often Part D) through private insurance. Medicare supplements, on the other hand, work alongside Original Medicare, filling gaps in cost-sharing but allowing you to keep your Medicare benefits and freedom to choose any provider that accepts Medicare.
Can I switch Medicare supplement plans?
Yes, you can switch plans, though timing is key. During specific enrollment periods, you may switch without underwriting. Outside those periods, you may need to qualify based on health. Our team will help you understand options and navigate the process if you’re considering a change.
Do Medicare supplement plans cover prescription drugs?
No, Medicare supplement plans do not cover prescription drugs. For medication coverage, you’ll need a separate Medicare Part D plan. We can help you explore Part D options to complement your Medicare supplement plan, ensuring you have full coverage for prescriptions.
How much does Medicare supplement insurance cost?
Costs vary by plan type, provider, and personal factors. Medicare supplement plans are standardized, so Plan F from one provider offers the same benefits as Plan F from another. We’ll work with you to find the plan that balances cost and coverage to fit your needs.
Are Medicare supplement plans standardized?
Yes, each plan type (Plan A, Plan B, Plan F, etc.) is standardized, meaning the benefits are identical regardless of the insurance provider. This makes it easy to compare prices while knowing you’re getting consistent benefits from any provider.
Why choose Garry Insurancenter for Medicare supplement insurance?
As a family-owned agency with over 50 years in the business, we understand the importance of protecting your health and finances. Our team provides knowledgeable support, guiding you through plan options and ensuring you get reliable coverage that fits your life in Minnesota.
