Medicare Insurance


Medicare Supplement (Medigap) For Co-payments, Coinsurance & Deductibles

Medigap is a Medical Supplement Insurance policy that can cover some of the costs that Original Medicare doesn’t, such as deductibles, coinsurance and copayments. In order to receive Medigap coverage you must currently have Medicare Part A and Part B.

There are a few things you will need to know if you decide to enter in to a Medigap policy. If you currently have a Medicare Advantage Plan, you may apply for a Medigap policy, but remember to make sure you are able to leave the Medicare Advantage Plan prior to beginning a Medigap policy.

Medigap policies also only cover one person. In order for both you and your spouse to receive Medigap coverage, it must be applied for separately. The great thing about Medigap coverage is that all standardized policies are guaranteed renewable, even if you have health problems. Also, unlike Original Medicare, Medigap covers you when you travel outside of the U.S.

Past Medigap policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you are in need of prescription drug coverage, the Medicare Prescription Drug Plan (Part D) will be able to take care of you. Medigap also does not cover long-term care, vision or dental care, hearing aids, eyeglasses or private-duty nursing.

The prime time to purchase Medigap is during you 6-month open enrollment period. The enrollment period begins the month you turn 65. After the initial enrollment period, you will not be able to purchase a Medigap policy.

We service areas within Yuba City, Roseville, Sacramento, Auburn, CA and the Greater Sacramento area. To find out more about us, get in touch with us by visiting our contact page and filling out the form. Or you can call us at (530) 751-1212


Medigap Plans

How to read the chart:

The chart below shows basic information about the different benefits that Medigap policies cover. If a percentage appears, the Medigap plan covers that percentage of the benefit. If a row is blank, the policy doesn’t cover that benefit. Note: The Medigap policy covers coinsurance only after you have paid the deductible (unless the Medigap policy also covers the deductible).

Medigap Plans

Medigap Benefits

A B C D F* G K L M N
Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Mediacre Part B Coinsurance or opayment 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%***
Blood ( First 3 Pints) 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Part A Hospice Care Coinsurance or Copayment 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Skilled Nursing Facility Care Coinsurance 100% 100% 100% 100% 50% 75% 100% 100%
Medicare Part A Deductible 100% 100% 100% 100% 100% 50% 75% 50% 100%
Medicare Part B Deductible 100% 100%
Medicare Part B Deductible 100% 100%
Foreign Travel emergency ( Up to Plan Limits) 100% 100% 100% 100% 100% 100%
Out Of Pocket Limits***
$4,800 $2,400

*Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,110 in 2013 before your Medigap plan pays anything.

*For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($147 in 2013), the Medigap plan pays 100% of covered services for the rest of the calen