Medicare Supplement

We are proud to offer Medicare Plans from UnitedHealthcare® Medicare Solutions. UnitedHealthcare® Medicare Solutions is a portfolio of Medicare products and part of UnitedHealth Group which delivers innovative products and services to over 70 million Americans. As a leader in Medicare-focused health care for over 20 years, the Medicare Solutions from UnitedHealthcare serve one out of every five people eligible for Medicare through a variety of products including Medicare Advantage, Medicare Supplement, and Medicare Part D prescription drug plans.

Medicare Supplement plans [offered through UnitedHealthcare Medicare Solutions] account for the nation’s largest Medicare Supplement business. These plans typically provide more freedom to choose doctors and hospitals, and see specialists without referrals. Medicare Supplement plans also offer National coverage.

Medicare Part D plans [offered through UnitedHealthcare Medicare Solutions] account for the nation’s largest Part D business and are available in all 50 states and territories. These plans provide a way to add drug coverage to Original Medicare or Medicare Supplement coverage.

What is a Medigap policy?

A Medigap (also called “Medicare Supplement Insurance”) policy is private health insurance that is designed to supplement Original Medicare. This means it helps pay some of the health care costs (“gaps”) that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles). If you are in Original Medicare and you have a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medigap policy pays its share. (Note: Medicare does not pay any of the costs for you to get a Medigap policy.) Also, a Medigap policy is different then a Medicare Advantage Plan (like an HMO or PPO) because those plans are ways to get Medicare benefits, while a Medigap policy  supplements your Medicare benefits.

Every Medigap policy must follow Federal and state laws designed to protect you and the policy must be clearly identified as “Medicare Supplement Insurance.”

Important

New laws have brought many changes to Medigap policies. These changes are for plans with effective dates on or after June 1, 2010, and will give you choices in health care coverage to fill gaps in services that Original Medicare doesn’t cover. Please contact our office for an explanation of these changes and the plans with benefits effective on or after June 1, 2010.

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