Financial Insurance

Medicare Supplement Insurance

Since 1953, Oyer, Macoviak and Associates has helped clients compare Medicare Supplement insurance options with guidance from an independent agency. Tell us what you need once, and our team can help review available options from more than 30 rated insurance companies.

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Medicare Supplement Insurance Coverage for More than 70 Years

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.

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Compare Medicare Supplement Insurance Options

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.

FAQ Medicare Supplement Insurance

Why Do Business with us?

As a local insurance agency (Boynton Beach, Florida) we take the time to cater to our customer’s policies to create the correct policy for them. Our team of agents is dedicated to help you protect you, your loved ones, and your business. Our office can handle any risk in Florida. In addition, our office is a Trusted Choice Insurance Agency (Independent Insurance Agent).

01What is Medicare Supplement insurance?

Medicare Supplement insurance, often referred to as Medigap insurance, is private health insurance that can help pay certain out-of-pocket costs Original Medicare does not cover, such as some deductibles, copayments, or coinsurance. Benefits and availability vary by plan, state, carrier, and eligibility, so it is important to compare options carefully.

02What is not covered by Medicare?

Medicare does not pay for all your health care expenses. It helps pay for hospitalization, but it does not pay for most doctor services, surgery, or prescription drugs. Depending on which plan you are enrolled in (Part A and Part B), Medicare will cover either 80% or 100% of the following costs:

03Where do I find out more about Part A and Part B?

Medicare’s official website reads as follows: “If you are not yet 65, or have not already enrolled in Part B, you may enroll anytime between the eighth month before your 65th birthday and three months after that birthday by calling 1-800-MEDICARE (1-800-633-4227) or TTY call 1-877-486-2048.”

04What is a Medicare Advantage Plan?

Medicare Advantage plans are different from Medicare Supplement plans. They are offered by private insurers approved by Medicare and may include network rules, prescription drug coverage, and other plan-specific benefits. Our team can help you understand the difference and review which type of option may fit your situation.

05Who is eligible for a Medicare supplement plan?

Anyone who is:

• Enrolled in Medicare Part A or enrolled in Part B for at least six months. • At least 65 years old and eligible for coverage under Medicare Parts A and B. • Not enrolled in a Medicare Advantage Plan that provides all the services covered by your supplement plan.

06What are the different types of Medigap plans?

There are 10 standard Medigap policies available and a variety of additional options. These are the most common:

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