A Medicare supplement plan, also known as Medigap, can help pay some of your healthcare expenses such as copays, coinsurance, and deductibles by supplementing your original Medicare. Most regular Medicare plans do not cover these particular areas. However, there are ways to help you cover expenses through a Medicare supplement policy. If you are 65 or older seeking straightforward, affordable Medicare supplement policies, contact Absolute Insurance Solutions, LLC. Call 623-328-5298 today.

What is Medicare supplement insurance, also referred to as Medigap. Supplemental insurance can help pay for health care costs that are not covered by Regular Medicare, such as things not covered like copayments, coinsurance, or deductibles.

Medicare Supplement Plans

This insurance is sold by private insurance companies. Supplemental insurance can cover extra stuff that original Medicare doesn’t cover like for traveling outside the U.S. Each Medigap plan offers different benefits. All Medigap insurance plans that are offered are the same coverage except if you live in Massachusetts, Wisconsin, or Minnesota.

Areas Where Medicare Supplement Policies Do Not Cover

Medicare supplement policies are excellent for expenses much like copays, coinsurance and deductibles, but unfortunately, they do not cover most things. Below are areas where they do not cover:

Long-Term Care

Dental Care

Vision Care

Hearing Aids


Private-Duty Nursing

Learn More About Medicare Supplement

How does Medigap work and what’s covered? First your regular Medicare will pay for anything that they considered approved by Medicare, then second your Medigap will pay its part. In order to have Medigap you need to be enrolled in Medicare Part A & B. Some of Medigap basic benefits cover Medicare Part A coinsurance costs after Medicare benefits are spent, also covers Medicare Part A coinsurance or copayments for hospice, Medicare part B coinsurance or copayments, more coverage is offered on different plans.

What is the difference between Advantage and Medigap? Advantage is a plan that helps with Medicare benefits and the Medigap supplements Medicare costs like coinsurance or copayments.

Medigap has to be purchased for each individual since it only covers one person per policy. Also if you have Medigap and have health problems they cannot cancel the policy as long as you pay your policy on time. Medigap does not cover prescription medications.

Requirements of Medigap? To be eligible to enroll you must have both Medicare Part A & B. It is advised to enroll during the enrollment period when you turn 65. This is the first day of the month that you are 65 and enrolled in Part B for at least 6 months. It is important to enroll during this time because you will not be denied for any pre-existing medical conditions, if you wait till a later date they can deny you coverage due to pre-existing medical conditions. Some states do allow you to enroll before the age 65

Does Medigap Cover everything? Medigap doesn’t cover vision, dental, hearing aids, eyeglasses, long-term care, or private nursing.

It important to understand that you cannot legally have a Medigap and Medicare Advantage Plan at the same time.

Let Absolute Insurance help you get the right Medigap insurance for all your healthcare needs.

Dedicated To Providing A Plan That Best Suits Your Needs

The team at Absolute Insurance Solutions, LLC is dedicated to getting a Medicare supplement plan that best suits your needs. Our experienced agents will walk you through the process to discuss your options and what will benefit you the most. No one plan is best for everyone. Which is why we provide detailed information and help you decide on a policy according to your priorities. Contact us at 623-328-5298.

Things To Know About Medicare Supplement Plans


Must Have Medicare Part A & Part B


Medigap Policy Differs from Medicare Advantage Plan


Medigap Only Covers One Person


Pay The Private Insurance Company A Monthly Premium


Standardized Medigap Policy Guaranteed Renewable (Insurance Cannot Cancel Your Policy As Long As You Pay The Premium)

What if I have group coverage as part of my retirement program?

If you or your spouse have retiree health care coverage or a group health care plan you still get coverage from Medicare. Depending on how your retiree insurance works will determine the terms of your plan. In most cases Medicare will pay for your medical bills first and then your group plan will pay second.

It is important before you retire to check if you will have an group coverage. Most coverage usually comes from a union or employer. Sometimes if might even be available for an additional fee, this is important to know so you can determine if its worth continuing on the group health care coverage. Also knowing the group coverage limits and out-of-pocket costs is critical.

There are some important things to know when it comes to group coverage insurance. One important part is how your group coverage works, for example will your group coverage not pay any medical bills while you are eligible for Medicare and decided not to sign up, meaning you would need to be enrolled in Medicare in order for your group coverage to work.

Since Medicare pays your medical bills first most secondary group coverage will fill on the gaps that Medicare doesn’t cover, there can also be additional coverage benefits from your group coverage.

Make sure to give Absolute Insurance a call so we can help you understand your current group plan coverage and how Medicare will help with your insurance coverage.