Compare Medicare Supplement Insurance Plans & Medigap Plans and Rates for 2009. See Plan Chart for AL, AR, AZ, CO, DC, FL, GA, KS, KY, LA, MD, MO, MN, MS, NC, NM, OH, OK, SC, TN, TX, VA & WV. Medigap Insurance Plans including the Popular Plan F & G

If you are looking for a Medicare Supplement insurance policy or a MediGap insurance policy you have come to the right place. A Medicare Supplement or a MediGap plan are interchangeable words and mean the same thing.

***2010 Special Note*** If you are looking for the New Modernized plans beginning after 06/01/2010 please click here. The old plans will not be available after 05/31/2010 nationwide.

We help you easily understand the insurance language and quickly zero in on a Medicare supplement policy to meet both your need and budget.

Selecting the right plan is really not complicated. There are 12 plans the Center for Medicare Services or (CMS) & the National Association of Insurance Commissioners (NAIC) created in 1990. These plans are exactly the same regardless of which insurance company offers the plan.

There are also 12 "holes" or "Gaps" in Medicare Part A and Part B. The supplement policy you select will fill the financial gaps. The number of these holes filled will depend on which supplement you select. The chart below will give you a quick understanding of which plan you might be most interested in.

Year after year we have found Medicare Supplement Plan F or Medicare Supplement Plan G and sometimes Medicare Supplement Plan J to be the best value for the dollar. Plan J will be recommended depending on which state you live in and how much the supplement cost in comparison to the other plans. In Florida we have the lowest rate for plan J. See the Medicare Supplement Plan chart below. The higher you go up in the plan chart the more Gaps the plan fills. Of course, the premium is also higher.

The first step is to zero in on which plan you might want and complete the Medicare Supplement quote request form or give us a call at the number on the right. We will do the rest. We have shopped the market for you and can quickly give you a quote for the plan of your choice and answer all your questions.

The second step is for us to send you a complete package and help you complete the application. If you select us as your agent we will also give you unlimited support in selecting a Part D Prescription drug plan as well. We produce a report showing you which Medicare RX plan might be best for you based on your current prescription drug need. And we also help you enroll in the plan of your choice.

Call to speak to an agent 1-800-728-9609

What do you have to lose? We still like to provide good old fashioned customer service.

There are only 12 Standardized Medicare Supplement plans “A” through “L” to choose from.

All of these plans are the same with every insurance company offering the plan.

Not all plans are offered by every insurance company...

The one you select can make a difference on how much your "out of pocket expenses" will be...

We help you make a wise choice...

Most of the time we recommend Medicare Supplement plan F or Medicare Supplement plan G highlighted in the chart below in yellow. But the choice is entirely up to you...

There are 12 standardized Medicare Supplement plans “A” through “L”.
The benefits of each plan are different, with the exception that all plans are required to cover the “Basic Benefits” which are identified below. Medicare standardized the plans in 1990 to limit the consumer’s confusion when comparing coverage offered by different insurance companies. With standardization, the consumer can easily compare the benefits and the cost between the different insurance companies offering the plans. The words "Medicare supplement" and MediGap plans are interchangeable and mean exactly the same thing. The descriptions of benefits of each of these plans are in the table below.

How to read the chart: If a check mark appears in the column, this means that the MediGap policy covers that benefit up to 100% of the Medicare-approved amount. If a column lists a percentage, this means the MediGap policy covers that benefit at that percentage rate of the Medicare-approved amount. If no percentage appears or if the column is blank, this means the MediGap policy doesn't cover that benefit. Note: The coverage of coinsurance only begins after you have paid the deductible on plans K & L. This does not apply to the Medicare Part B excess charges in Plan G.

Medicare Supplement Standardized Plan Summary. Choose a letter to see the plan summary.

2010 Medicare Supplement Benefit

Medicare Part A Coinsurance and MediGap Coverage for Hospital Benefits

Medicare Part B Coinsurance or Co-payment

50%

75%

Blood (First Three Pints)

50%

75%

Hospice Care Coinsurance or Co-payment

50%

75%

Skilled Nursing Coinsurance

50%

75%

Medicare Part A Deductible

Medicare Part B Deductible

Medicare Part B Excess Charges

80%

Foreign Travel Emergency (Up to Plan Limits)

At-Home Recovery (Up to Plan Limits)

Preventive Care Coinsurance (Included in the Part B Coinsurance)

Preventive Care not Covered by Medicare (up to $120)

2010 out-of-pocket limit:

$4,620**

$2,310**

*Medicare Supplement Plans F and J also have a high deductible option. We don't recommend the high deductible plans. If you select the high deductible plans you have to pay the first $2,000 (deductible in 2010) in MediGap-covered costs before the MediGap policy pays anything. You must also pay a separate deductible for foreign travel emergency ($250 per year).

**After you meet your out-of-pocket yearly limit and your $155 yearly Part B deductible, the plan pays 100% of covered services for the rest of the calendar year.

Basic Benefits
• Coinsurance for days 61-90 ($275 per day) and days 91-150 ($550 per day) in hospital
• Payment in full for 365 additional hospital days
• 20% coinsurance for physician and other Medicare Part B services

Medicare Part A Hospital Deductible
• The 2010 deductible is $1100

Skilled Nursing Facility (SNF) Coinsurance
• $137.50 a day for days 21-100 in a Skilled Nursing Facility in 2010

Medicare Part B Yearly Deductible
• The 2010 deductible is $155

Medicare Part B Excess Charges
• Difference between doctor's charge and Medicare's approved amount
• Up to 15% above the Medicare approved charge which is the doctor’s maximum charge

Foreign Travel Emergency
• Pays 80% of the cost of emergency care during the first two months of each trip after you pay a $250 deductible
• Lifetime maximum of $50,000

At-Home Recovery
• While receiving skilled home care, extra home health aide visits
• Home health aides up to 40 visits after skilled care is no longer needed
• Maximum of $40 per visit to 40 visits per year, for total of $1,600 per year

Preventive Care
• Up to $120 per year for preventive services ordered by doctor