Medicare Supplements

Medicare Supplements, also known as Medigap, are private insurance policies designed to fill gaps in original Medicare coverage. While Medicare pays for a great deal of medical expenses, a Medicare Supplement policy can help cover some remaining costs, such as copayments, coinsurance, and deductibles. Enrollees can choose from a variety of supplemental plans with different benefits and costs.

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Medicare Supplement Highlights

  • Guaranteed renewable as long as the owner is paying premiums
  • Require underwriting only if enrollment occurs outside of the open enrollment or guaranteed issue period
  • Some states have anniversary or birthday rules where a current member can, during a specific time, move to another company while maintaining the same level of benefits without underwriting
  • Plan pricing varies by state, county, and age rating

Why Consider Selling Medicare Supplements?

Medicare Supplements are available in all states with a variety of plan options. Unlike Medicare Advantage Plans and Prescription Drug Plans, most companies do not require certification to sell Medicare Supplements. By offering products that assist your clients through their retirement years, you can strengthen your relationship and truly become their trusted advisor.

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