- RamiAA@caringcurations.com
- Staten Island NY 10314
- National Producer #20115322
Original Medicare covers many healthcare costs, but not all of them. Medicare Supplement Insurance helps pay certain out-of-pocket costs that Original Medicare does not fully cover, such as some copayments, coinsurance, and deductibles.
Medigap policies are standardized in most states, meaning plans with the same letter generally offer the same basic benefits regardless of the insurer. Premiums and availability can differ.
Medigap policies generally do not include prescription drug coverage, so many people pair them with a separate Medicare Part D plan.
A Medigap policy supplements Original Medicare. It is not a replacement for it, and it works differently from a Medicare Advantage plan.
Plans are identified by letters. Understanding what each standardized plan covers can help you compare options.
Premiums vary by insurer, location, and other factors. We can help you review the information that applies to you.
Certain enrollment windows may affect your options. We will help you understand which considerations apply to your circumstances.
Generally, a Medigap policy cannot be used with a Medicare Advantage plan. We can explain how each option works so you can decide which approach fits you.
Medigap policies sold today generally do not include prescription drug coverage. A separate Part D plan is typically used for medications.