Medicare Supplement

You must have Medicare Part A and Part B to buy a Medicare Supplement. Your part A and B deductibles and coinsurance will be paid accordingly to the plan that you choose. Most popular is plan F that covers all Medicare deductibles and coinsurance on any medicare covered services.

Help with managing out-of-pocket costs
The freedom to choose any doctor who accepts Medicare patients (accepts consignment)
No claim forms to file
Very limited coverage outside of the United States
Some of the plans offer additional benefits such as gym memberships, but not all
Admission vs observation – this is becoming an issue for people who have original medicare or an Medicare Supplement. If you are in the hospital but the hospital has you listed as under observation (not as admitted) Medicare will not pay for you to go to rehab. Make sure you watch this video https://www.youtube.com/watch?v=rbo-ajTnyCU. There are additional insurance plans you can buy to cover you in this situation

How do I choose a Medicare Supplement plan?
Review the standard chart to see what plan meets you needs best (see chart on right).

Here is the Complete Medicare Supplement Guide

Keep in mind that the more charges you are willing to cover the less premium you will pay. Choose a company you feel you can trust and consider if they offer any extras. OR do it the easy way and call me at 216-287-8832 for a free consultation.

Choosing a Medicare Supplement Policy
https://www.medicare.gov/Pubs/pdf/02110-Medicare-Medigap.guide.pdf