Copyright © All rights reserved By MIFS Meyer Insurance & Financial Services.  Tel: 818-999-1110  Fax: 818-688-3122 - CA License #0D78367

  (800) 800-0310

Call for Expert Help

Medicare Advantage | Drug Plans

Long Term Care | Life Insurance

 Annuity | Travel Health Insurance

Supplemental Plans
High Quality, Low Cost Health & Medicare Supplemental Plans

Get Your Free

No Obligation Quote


Supplement Plans


A Medigap policy also called Medicare Supplement Plans is a health insurance sold by private insurance companies to fill gaps in the Original Medicare. It helps pay some of the health care costs that the Original Medicare does not cover, such as coinsurance and deductibles. Medicare Supplement Plans policies may also cover certain things that Medicare doesn't cover. If you already have a Medicare Advantage plan, you do not need Medicare Supplement Plans because your needs should be met by your plan.






Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age with end-stage kidney disease. Medicare covers many health care services and supplies, but many costs aren't covered. If you're in the OMP and you buy a Medigap policy, both plans pay their share of the Medicare-approved amount for covered health care costs.



Insurance companies can sell you only a "standardized" Medicare Supplement Plans policy. Standardized Medicare Supplement Plans policies are identified by letters A through N. Each type of Medicare Supplement Plans policy offers the same basic benefits, no matter which insurance company sells it. Usually the only difference between Medicare Supplement Plans policies sold by different insurance companies is the cost. Medicare Supplement Plans policies must follow federal and state laws.



A Medicare Supplement Plans policy only covers one person. If you and your spouse both want Medicare Supplement Plans coverage, you each must buy separate Medicare Supplement Plans policies. Medigap policies don't cover:

• Long-term care (like care in a nursing home)

• Vision or dental care

• Hearing aids

• Eyeglasses

• Private-duty nursing



Most Medicare Supplement Plans require, as does Medicare, that the covered services be medically necessary, and they pay only up to amounts approved by Medicare.

Any new Medicare Supplement Plans policy is guaranteed renewable. This means the insurance company can't cancel your Medigap policy as long as you pay the premium. Although some Medicare Supplement Plans sold in the past covered prescription drugs, no new Medicare Supplement Plans are allowed to include prescription drug coverage.


If you want prescription drug coverage, you may want to join a Medicare Prescription Drug Plan (Part D) offered by private companies approved by Medicare.


The best time to buy a Medicare Supplement Plans is during your Medicare Supplement Plans open enrollment period. This period lasts for 6 months and begins on the first day of the month in which you are both age 65 or older and enrolled in Medicare Part B. While the insurance company can't make you wait for your coverage to start, it may be able to make you wait for coverage of a pre-existing condition. A pre-existing condition is a health problem you have before the date a new insurance policy starts.

64 and younger click here