Medigap Supplement Guide

Guidance for individuals with Medicare to better understand Medicare Supplement Plans – Medigap Insurance

An easy resource for understanding Medicare Supplement Insurance.

Medigap Eligibility Requirements

  • Medicare Part A
  • Medicare Part B
  • Most States:  65 or older: Can be 64 and covered during 65 birthday month
  • No Medical Underwriting during Medigap Open Enrollment or Guarantee Issue Right

Medigap Insurance Basics

  • Sold  by Private Insurance Companies
  • Help Fill Gaps in Original Medicare
  • Not a Medicare Advantage Plan
  • Does Not Include Drug Coverage
  • Supplemental Coverage is Optional, not mandatory
  • Medigap Plans are Standardized
  • Only Covers One Individual (Spouse needs their own policy)

Medigap Coverage and Benefits (Depending on Plan)

  • Medigap plans pays after Original Medicare pay for services
  • Pays Part A and Part B  Insurance Deductible (depending on plan)
  • Pays Original Medicare  Copays
  • Supplemental Pays Medicare Coinsurance from services:  Usually the 20%

Medicare Supplement Plans | Medigap Plans

  • Plan A –  Different than Medicare Part A.  This is a gap plan
  • Plan B –  This is different from Medicare Part B.  Plan B is a Medicare Supplemental Insurance Policy.
  • Plan C  –  Don’t get this confused with Part C of Medicare.  Part C of Medicare is a Medicare Advantage Plan.
  • Plan D –  Not Prescription Drug Coverage (Part D).  This is Medigap insurance.
  • Plan F  – The most comprehensive plan.
  • Plan G – The best value plan.  Recommended.
  • Plan K
  • Plan L
  • Plan M
  • Plan N

Cost of Medigap Coverage

  • Cost is usually the only difference between the insurance companies and benefits (standardized plans)
  • Attained-Age-Rated:  insurance premium (cost) is based on current age.  Price goes up as you get older.
  • Tobacco users usually cost more
  • Males generally pay more than Females for their Medicare Supplement Insurance plan

How to Compare Medigap Rates from Multiple Insurance Companies

  • Click the link above to view Medicare Supplement Insurance Rates and compare the cost for Medigap Plan F
  • You won’t be called or emailed by submitting personal information.
  • We put you in the driver’s seat.
  • Access supplemental insurance rates with or without a specialist

Retirement Transitions Medigap Specialist

  • Trained and Licensed Agents
  • Available for free to answer questions and provide guidance
  • Unbiased Specialist
  • Helpful and not annoying
  • Provide Service Before and After you apply for a plan
  • Prescription Drug (Part D) Assistance
  • Awesome Customer Service.  No more waiting on hold.
  • Local Specialist Appointments Available

Our code at Retirement Transitions is to make you feel comfortable when shopping for Medicare Supplement Insurance (Medigap).   We’ve made a rule not to invade your personal space like most sales people do.   You should feel comfortable and confident before talking with a sales person or specialist about the future of your healthcare insurance. We aren’t your typical Insurance specialist, more of a consumer advocate.

How to Enroll into a Medigap Plan

  • Finish most of the Medicare Supplemental Policy paperwork online without speaking with an agent
  • Call toll-free 1-855-594-0237 to enroll with an unbiased Medigap Specialist
  • Request an application to be mailed to you with PRE-PAID postage.
  • Print the application from email and return.
  • Face-to-face appointment to complete paperwork

Retirement Transitions wants to make you feel comfortable when you’re ready for enrollment into a Medicare Supplement Insurance Plan (Medigap).

Medigap Plan Service States

Retirement Transitions
301 S 70th St, Suite 126
Lincoln, NE 68510
(402) 805-4626

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