Medicare Supplement
Coverage that works alongside Original Medicare to help pay deductibles, copays, and coinsurance.
By calling this number, you will be connected with a licensed insurance agent. Calls are answered by Dora or her office.
How it works
Original Medicare pays a large share of your covered care, but not all of it. A Medicare Supplement plan, sometimes called Medigap, is sold by private insurance companies and helps pay the gaps, such as the Part A deductible and the 20% coinsurance under Part B.
You can see any doctor or hospital in the country that accepts Medicare. There are no networks and no referrals.
Medicare Supplement plans don't include prescription drug coverage, so most people pair one with a standalone Part D plan.
Standardized plans
Plans are named with letters, and the benefits for each letter are the same no matter which company sells it. What differs between companies is the price, how the price changes over time, and customer service.
Plan G and Plan N are common choices for people new to Medicare. Plan F is only available to people who were eligible for Medicare before January 1, 2020.
Timing matters
Your Medicare Supplement Open Enrollment Period lasts six months, starting the month you're both 65 or older and enrolled in Part B. During this window, companies can't turn you down or charge you more because of your health.
After that window, companies may ask health questions and can decline an application.
California's birthday rule
California gives people with a Medicare Supplement plan a yearly window around their birthday to switch to another plan with the same or fewer benefits, without answering health questions. Dora can check whether a change around your birthday could lower your premium.
Compare Medicare Supplement prices.
The benefits are standardized. The prices aren't. Dora can show you how the companies she offers compare.
By calling this number, you will be connected with a licensed insurance agent. Calls are answered by Dora or her office.