While Medicare provides great coverage for seniors and others that are eligible, it doesn’t cover everything. Fortunately, Medicare Supplement (Medigap) plans are available to help cover these out-of-pocket costs.
There are 10 Medigap plans available in 47 states. At American Family Solutions, we can help you determine which plan is right for you.
Medigap plans are designed to supplement your Original Medicare (Part A and B) coverage. The out-of-pocket costs that can be covered by a Medigap plan include:
The coverage you receive will ultimately depend on the Medigap plan you choose to enroll in.
The best time to enroll in Medigap is during the Medigap Open Enrollment Period. This period begins as soon as you are 65 and enrolled in Original Medicare. It lasts for a total of six months, giving you this amount of time to buy a Medigap plan without being turned down for coverage.
If you miss this period, you can still enroll in Medigap, but it will be much harder to find a plan. Medigap insurance companies can choose to deny you coverage or make you go through a medical underwriting process to determine your eligibility.
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