What Is Medicare Supplement?
Medicare Supplement Eligibility
- Enrolled in Medicare Parts A & B (Original Medicare)
- 65 or older, or have a disability
In 1990 legislators passed a reform act to standardized medicare supplement plans and provide a minimum benefit. Currently, there are 10 Medigap plans available for purchase: Plan A, B, C, D, F, G, K, L, M, and N.
Plan C and F
Legislation passed in 2015, known as MACRA, stipulates that effective Jan. 1, 2020, all newly eligible Medicare beneficiaries cannot sign up for a supplemental plan that covers the Medicare Part B deductible.
This means that Plans C and Plan F will no longer be available to newly enrolled Medicare beneficiaries.
Medicare Supplement Rights
Guarantee Issue Right
During your six-month Medigap Open Enrollment Period, you have the right to buy any Medigap policy offered in your state without having to answer medical questions.
This is usually the best time to purchase a plan because you will not be subjected to pay higher premiums for using tobacco products, nor will you be denied coverage due to your medical condition.
Another type of right is called a trial right, which lets you buy or switch back to a Medigap policy within the first year of either joining a Medicare Advantage plan or buying a Medicare SELECT policy.
Best Medicare Supplement Companies
That’s why we have compiled a list of the Best Medicare supplement companies.
Frequently Asked Questions
Does Medigap Include Dental Or Vision Coverage?
Can I change medigap plans at anytime?
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