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What types of Medigap Policies can Insurance Companies sell?
In most cases,
Medigap insurance companies can sell you only a "Modernized" Medigap policy. (From 1992 to 2010, they were called "Standardized" plans)
All Medigap policies must have specific benefits so you can compare them easily.
Insurance companies that sell Medigap policies don’t have to offer every Medigap plan.
However, they must offer Medigap Plan A if they offer any Medigap policy.
If they offer any plan in addition to Plan A, they must also offer Plan C or Plan F.
Each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer.
In some cases, an insurance company must sell you a Medigap policy, even if you have health problems.
Listed below are certain times that you’re guaranteed the right to buy a Medigap policy:
When you’re in your Medigap:
You may be able to buy a Medigap policy at other times, but the insurance company can deny you a Medigap policy based on your health.
Also, in some cases it may be illegal for the insurance company to sell you a Medigap policy
(like if you already have Medicaid or a Medicare Advantage Plan).
For more information on the 10 Medigap Plans that are offered, simply click the dark blue link to your right:Medigap Plans A-N
Below are some resources provided by CMS & Medicare that we feel you may find useful.
(when you click on them they will open in a new window)
(Scroll down to see Medigap Resources)
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Official Medicare Guidebook By CMS (Requires Adobe Acrobat)
Medicare Supplements ..........
A "Medicare Supplement Insurance" policy (also calledMedigap) is private health insurance that’s designed to supplement Original Medicare.
( Medigap is actually the official name due to the fact that ALL health insurance plans that are found out there including Employer Sponsored Retirement Plans that are available to fully retired Medicare Beneficiaries will always fall secondary to Medicare, therefore making everything "Medicare Supplements") This means it helps pay some of the health care costs that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles).
These are "gaps" in Medicare coverage. If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan (like an HMO or PPO because those plans are ways to get Medicare benefits, while a Medigap policy only supplements the costs of your Original Medicare benefits.
Note: Medicare doesn’t pay any of the costs for you to get a Medigap policy. Every Medigap policy must follow federal and state laws designed to protect you, and the policy must be clearly identified as "Medicare Supplement Insurance."
Medigap insurance companies in most states can only sell you a "standardized" Medigap policy identified by letters A through N.
Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it.
Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies.
Do you already have a Medigap that has had big increases since you purchased it and you are curious to see if you would QUALIFY to switch?
But only if you can get the exact same plan you now have at a lower price, right?
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