Medicare Supplement Insurance in Aberdeen and all of South Dakota

Medicare helps millions of Americans each year afford health care. Yet, all Medicare plans will include some out-of-pocket costs. You can help eliminate them by enrolling in a Medicare supplemental plan, otherwise known as Medigap insurance. Talk with your agent at Insurance Plus to discuss which coverage options are best suited for your needs.  

What is Medigap Coverage? 
Original Medicare doesn’t fully cover all of your health care needs, and still has out-of-pocket costs. Deductible, copayments and coinsurance options are all costs you will still face as well as some aspects of your care not being covered at all. Medigap is one of your options when trying to cut certain residual costs. Rather than paying out of pocket, let your Medigap plan cover some of these costs, which works to supplement the costs you might have to pay for Original Medicare. 

There are multiple Medigap Plans out there, labelled as plans A-N. All will include different options and payment structures. However, they will generally cover the following items: 

• Certain services not covered by Original Medicare, like blood transfusions or skilled nursing

• Copayments, coinsurance and deductibles from Medicare Part A and Part B

• Emergency care needed during foreign travel

You must carry Original Medicare (Parts A & B) and live within a plan’s coverage area to enroll. Keep in mind, supplemental plans do not offer Part D prescription coverage. 

When Can I enroll in a Medigap Plan? 
If you have Medicare Part B, you can enroll in a Medigap plan up to six months after the first day of the month you turn 65. If you don’t have Part B, you’ll first have to enroll in that coverage. Once covered by Part B, you’ll have six months to get Medigap coverage. 

Am I Qualified for a Medigap Plan? 
To qualify for a supplemental plan, talk to your Medicare agent. As all plans differ, it’s crucial to choose the one that’s best for you.  

Remember, your qualifications might depend on factors like your age, health, location and financial status. You’ll also want to consider your individual coverage needs to decide which plan will benefit you. We’ll help you determine how to keep costs within an affordable line.  

Contact Us Today! 
At Insurance Plus, we want you to receive the coverage you need before it’s too late. Contact us today to speak with an agent about a Medicare supplemental plan that’s right for you.