Medicare Supplement Medigap Insurance Plans Jacksonville

Age 65 sample monthly cost for Medicare Supplement Plan F is $189 from Top Florida Company that Your Doctors and Hospitals accept. This plan has No Deductible, No Copays, No Coinsurance and COVERS 100% of all Medigap A and B medical expenses including excess charges. A Medigap Select Supplement is also available for $139.

In Jacksonville Florida there are 11 types of Medicare Medigap Plans offered so unless you are insurance savvy and computer efficient comparing all this can be a daunting task. It is much easier and secure to let us do the research for YOUR 3Rs *** Right Doctors, Right Coverage, Right Price!

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all of your options.

What Should You Know about a Medigap Supplement?

Medicare Supplement Insurance or Medigap Plans are sold by insurance companies to fill the deductibles, coinsurance and copay gaps in Original Medicare. Medicare standardized and approved Supplement / Medigap 11 type plans and each type has the same benefits for comparison purposes between companies. In other words, a Plan E is a Plan E only the insurer names and premiums are different. Medicare also required companies to standardize their rates so that no matter where the purchaser buys it … from, Company direct, or an Agency the COST will be the SAME.

Before you can buy a Medigap policy, first you must be enrolled in Medicare Parts A and B benefits. A few other things you should know about this coverage include:

  • You can apply for a Medigap plan even if you have a Medicare Advantage Plan. However, make sure you cancel the Advantage Plan before the Medigap policy kicks in. Your local agent will be happy to help you with making the change and cancellation.
  • You will pay for both the Medicare Part B premium and the Medigap monthly premium.
  • Medigap only covers one person. If you need a policy for you and your spouse, you will need to get separate policies.
  • Medigap plans are guaranteed renewable even with health issues. The policy cannot be cancelled, as long as you pay the premium.
  • Medigap Policies don’t cover prescription drugs. If you need this type of coverage, you will need a Medicare Part D plan.

Original Medicare, Medicare Advantage Plans and Medigap coverage can quickly become very confusing. If you’re not sure what you have or what you need, contact an agent at Thomas & Associates to discuss your options today.

Which Medicare Plans are not Medigap?

Some of the plans you may find are not Medigap plans. It’s important to understand the difference. The following plans are not Medigap plans:

  • Medicare Advantage Plans
  • Medicaid
  • Veteran’s Benefits
  • Medicare Prescription Drug Plans
  • Employer or Union Plans
  • Long-Term Care Plans
  • Indian Health Services

If you have any of these types of coverage, you do not have Medigap coverage.

What to Expect from Medigap Plans?

Medigap will help to pay the Part B bills from your Medicare coverage. Most of the time, when you decide to sign a contract for Medigap insurance; you will be agreeing to allow the insurance company to get your Part B claim information from Medicare directly. Then, they will pay the doctor directly. Some insurance companies will even provide Part A claims service.

The cost of Medigap plans depends on the company. You may find the exact same policy is more expensive with one insurance company compared to another.

When it’s time to shop for Medigap coverage, you need to make sure you understand what you’re getting. Medicare won’t cover any of the cost when it comes to a Medigap policy. You will be responsible to pay the premium.

If you need to supplement your Part A or Part B Medicare coverage, get your free quotes today by contacting us today.

Chart: Compare Medigap