Medicare Supplement Insurance

Which of the 11 Medicare Supplement plans is right for you?

Which of the 11 Medicare Supplement plans is right for you?

While there are 11 plans, there are only 3 basic types you need to know about to get started. Then we can help you drill down to the type of plan that works best for you.

Deductible plans

Lower cost plans that have a deductible. These plans are for those who:

  • Want to save money
  • Accept responsibility of a deductible if you have claims
  • Expect minimal health expenses

Is this the right type of plan for you? If you’re healthy and don’t go to the doctor often, you may want to consider a deductible plan.

Call us, we’ll help you understand how much savings you can expect in your area, and how the rate compares to more comprehensive plans.

Mid-Range Plans

Plans that offer a range of pricing and cost-sharing options. These plans are for those who:

  • Want to save some money
  • Accept some responsibility for costs, such as a co-pay
  • Anticipate lower health expenses

Are these the right kind of plans for you? If you’re relatively healthy, don’t anticipate a lot of health expenses and would like to save some money, one of these plans could be a good fit for you.

Call us, we’ll help you the relative savings and coverage options and see if a mid-range plan is right for you.

Most Comprehensive Plans

These plans offer more coverage and are designed for those who:

  • Want peace of mind, and are less concerned about the price
  • Expect some health expenses

Are these plans right for you?

If you’d rather be able to have a consistent budget and not worry so much about deductibles, copays and coinsurance, a more comprehensive plan may be right for you. Call us, we’ll help you make an informed decision by showing you specifically how the plans compare and the relative pricing.

Medicare Supplement Insurance is NOT a one-size-fits-all solution. If you’ve not heard of the range of plans and pricing available to you, you’re not alone. Many people who come to us have heard of only one plan—typically the most expensive plan—which may be right for you. But we want to be sure you know your options.

Medicare Supplement Plans offered by Americare Group

In most states, each Medicare Supplement insurance company chooses which insurance plan(s) to offer from the 11 plans described below – and many offer only a few options each. That’s one reason we represent multiple companies.

By representing multiple Medicare Supplement insurance companies, we are able to offer you access to almost any plan you choose, at a great price (even in states like Minnesota that offers plan options that are structured differently).

Medicare Supplement Insurance (Medigap) Plans - 2016

Roll over Benefits below to see further definition. 

Benefits A B C D F* G K L M N
Part A Hospital Coinsurance
Part B Coinsurance 50% 75% ***
Blood - (First 3 pints) 50% 75%
Hospice Benefit 50% 75%
Skilled Nursing 50% 75%
Part A Deductible 50% 75% 50%
Part B Deductible
Part B Excess Charges
Foreign Travel Emergency 80% 80% 80% 80% 80% 80%
Out-of-Pocket Limit $4,960** $2,480**

Call to speak with one of our Medicare supplement professionals for more information or a free rate comparison today.

Call Toll-Free 1-877-257-2663

* Plan F also has an option called a High-deductible Plan F. This high-deductible plan pays the same benefits as Plan F after you have paid a calendar year $2,180 deductible. Benefits from High-deductible Plan F will not begin until out-of-pocket expenses exceed $2,180. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan’s separate foreign travel emergency deductible.

** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays for 100% of covered services for the rest of the calendar year.

*** You pay $20 per office visit and up to $50 per emergency room visit. The co-payment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense.

  • Guadalupe
    My agent, Carol, took the time to explain everything rather than just sell me something—there was no pressure at all. She was interested in helping me find the right plan for me and made it easy to understand. Carol is very professional!
    From Texas
  • Hector
    My agent, Carol, helped me with my Medicare Supplement plan and she did such a great job my wife called her when she retired. She treats us like we've known each other a long time. She always gets right back to us if we have a question. The only thing I haven't asked her to do is wash my windows.
    From Texas
  • I did not have good experiences with other companies I spoke with, but Rose Ann was so helpful! She had a thorough knowledge and was very professional and helpful—no pressure at all. Way above anything else I experienced on calls with others!
    from Iowa
  • Grace
    I was very upset with my Medicare and what I needed to do. My agent guided us through everything we needed to know, gave us some options and then worked with not just one company, but several to find us a plan on our budget. I was on the verge of tears and I can't give her enough credit. She also sent her card and checked up on us. Wonderful!
    from Louisiana