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Medicare Supplements

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Original Medicare

Original Medicare which is administered directly by the federal government has two parts:

  1. Part A (Hospital Insurance) covers the medically necessary hospital, skilled nursing facility, home health and hospice care. It is free if you have worked and paid Social Security taxes for at least 40 calendar quarters (10 years).  The 60 day deductible for Part A Medicare is $1,288.
  2. Part B (Medical Insurance) covers 80% of the medically necessary doctors’ services, preventive care, durable medical equipment, hospital outpatient services, laboratory tests, x-rays, mental health care, and some home health and ambulance services. You pay a monthly premium for this coverage (Avg $104.90) which is usually deducted from your social security.

Sign up for Medicare here OR Call Social Security at 1-800-325-0778

Medicare Supplement Insurance

Medicare pays a portion of your health care costs for hospitalization, skilled nursing facility care and physician’s services and supplies. However, it does not pay all of your
expenses and requires you to pay deductibles and coinsurance for many services.
A Medicare supplement insurance policy can help pay some of the charges Medicare doesn’t cover.

The Benefits of having a Medicare Supplement Insurance Policy

  • Low or NO Out of Pocket Costs
  • Choose your own doctors and hospitals
  • Coverage is guaranteed renewable
  • Providers accept patients with Medicare supplement insurance
  • Your coverage goes with you and is good anywhere in the US

When Do I Enroll ?

The Initial Enrollment Period (IEP) is the first time you can sign up for Medicare. You may join Medicare Parts A, B, C and D during this time:

• The 3 months before your 65th birthday
• The month of your birthday
• The 3 months after your birthday

You can get a Special Enrollment Period to sign up for Parts A and B sny time you are still covered by the employer or union group health plan through you or your spouse’s current or active employment, OR

• During the 8 months following the month the employer or union group health plan coverage ends, or when the employment ends (whichever is first)
• If you move and you are not covered by your current plan in the area which you are now living



• Anyone with Medicare Parts A & B can switch to a Part C plan
• Anyone with Medicare Part C can switch back to Parts A & B
• Anyone who has or is signing up for Medicare Parts A or B can join, drop or switch a Part D prescription drug plan
• Anyone with Medicare Part C can switch to a new Part C plan
Your coverage will start January 1 of the following year

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