Medicare Supplement Insurance
Medicare Supplemental Insurance Coverage is known as “Medigap” for short. The reason for this is that it’s designed to provide insurance coverage for the “gap” between what Medicare pays and what the costs of a recipient’s actual services are. This difference is created by two factors: First, there are some medical services that Medicare doesn’t pay for at all. Second, there are some medical services that Medicare only pays for in part. So, the Medicare beneficiaries that do not carry any type of Medigap coverage are left responsible for the difference between those two amounts themselves.
Some people do not take advantage of Medicare Supplement insurance coverage simply because they aren’t eligible to do so. There are certain requirements which must be met. For example, in order to enroll in Medigap coverage, a person must be enrolled in either part A or part B of Medicare. In addition, there are also some requirements surrounding the timing of one’s enrollment in a Medicare Supplement insurance plan. There are two open enrollment periods: within six months of turning sixty-five and within six months of enrolling in Medicare part B. During those periods, such a person would be able to enroll in a Medigap plan without a medical screening. Any other time, a medical screening would be required.
There are ten different types of Medicare Supplement Insurance, labeled A through N. Each of them has different specific benefits. In general, the higher the premium for any particular plan, the greater the level of benefits it offers; just as with any other type of insurance. Another thing these plans have in common with other types of insurance is the fact that they change slightly from state to state. Since they are offered by private companies instead of the federal government, different states have different laws to regulate these plans, which accounts for the variances.
Since the inception of Medicare part D, no new Medigap policies sold include any type of prescription drug coverage. So, if you are purchasing a new Medigap policy now, you need to be aware of this. If you purchased your Medigap policy prior to January 1 2006, then you could have a plan which still includes prescription drug coverage. People who have switched to a stand-alone Medicare part D plan had the option to switch to a different Medigap plan altogether if they enrolled in that part D plan prior to May 15th of that year. Now, that freedom is left to the discretion of the issuing company, but you should still be able to drop your prescription coverage.
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They gave us excellent pricing, excellent service and excellent customer service... read moreWe are very pleased with Oyer, Macoviak and Associates.
They gave us excellent pricing, excellent service and excellent customer service (newsletters, prompt and professional replies from the representatives). I would recommend the company to anyone looking for great service and good prices! read less
Wayne M.Knowledgeable and very easy to deal with. Would highly recommend them.
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Oyer, Macoviak and Associates is a family operated full service insurance company that handles insurance with much expertise and they... read moreOyer, Macoviak and Associates is a family operated full service insurance company that handles insurance with much expertise and they always find the best rates and they are very knowlegable. read less
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Very helpful and friendly staff! They make you feel like you're more than just another customer. Greatly recommend when... read moreVery helpful and friendly staff! They make you feel like you're more than just another customer. Greatly recommend when in search for insurance!Visit Oyer, Macoviak and Associates! You will be highly pleased and satisfied with their service! read less
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Other providers only gave me the highest priced option and made no mention as to how I could reduce costs. It saved me $1,600 dollars. THANKS CHERYL! read lessAmy F.I as well as my family members have been using Oyer Insurance for decades. Everyone in the office is... read moreI as well as my family members have been using Oyer Insurance for decades. Everyone in the office is on the ball and responsive if any issues arise. Would highly recommend them and have referred several people to them over the years. read less
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Professional courteous helpful and responsive service with knowledgeable staff who take the time to listen and care about your needs.
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Oyer, Macoviak is an honest, professional insurance agency. They have always helped me with my insurance needs and return phone... read moreOyer, Macoviak is an honest, professional insurance agency. They have always helped me with my insurance needs and return phone calls, which is very important to me. read less
Stephen B.i call on this company for customer service reasons for their own clients,
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Oyer, Macoviak and Assoc have worked with us since we bought our home. Then we added car insurance. Any questions... read moreOyer, Macoviak and Assoc have worked with us since we bought our home. Then we added car insurance. Any questions I have had, has been answered in a timely manner. I would recommend them to anyone need home owner or car insurance. read less
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it was a referral to Rob and the team at Oyer Macoviak that not only helped me thru the long and painful process of trying to be compensated for my losses but won my Trust, Condo and Auto business going forward.
The agent at the previous firm was of no help when
at my most vulnerable.
Rob was extremely patient in explaining the policy I had at that time and so much more. I was never one to recommend anyone but
2 years later I am happy to
recommend Oyer Macoviak. read less - Angela C.
I have had nothing but exceptional service from this company. They are friendly and professional, and extremely efficient. I now... read moreI have had nothing but exceptional service from this company. They are friendly and professional, and extremely efficient. I now refer anyone looking for insurance directly to them. read less
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