What is a Medicare Supplement?

Your Simple Guide to Medigap Plans

We hope you never learn the hard way about the gaps in Original Medicare (Medicare Part A and Medicare Part B) coverage.

If you depend on Original Medicare alone, gaps in your Medicare coverage will be evident as early as the day you have to check into a hospital. You will be responsible for the Medicare Part A deductible, which in some cases you can be obligated to pay several times a year. You will also be responsible for the Medicare Part B deductible, the 20% coinsurance for your Part B charges, and more.

All of that can add up quickly if illness strikes! Some people have even been ruined financially because they expected Original Medicare to meet all their healthcare needs before learning the hard way that it did not.

MedicareMall is devoted to helping seniors get the additional coverage they need, at the lowest possible price, so they can look to the future with confidence. Original Medicare is a great start, but it is not enough to ensure you are prepared for an uncertain future.

Medicare supplement (or Medigap) insurance is designed specifically to fill the gaps in your Medicare coverage—and that is just what it does!

I am turning 65. How do I sign up for Medigap protection?

First, you need to enroll in Original Medicare. You can do so during your initial enrollment period, which begins three months before the month you turn 65 and ends three months after the month you turn 65. If you enroll during the first three months of your initial enrollment period, your coverage should begin the first day of your birthday month. If your birthday falls on the first of the month, coverage should begin on the first of the previous month.

You can easily sign up for Medicare online.

Your initial enrollment signs you up for Medicare Part A and Medicare Part B. Medicare Part A helps cover hospital costs, while Medicare Part B normally pays 80% of the cost of covered medical expenses.

Once enrolled in Medicare Part A and Medicare Part B, you are able to enroll in a Medicare supplement plan.

Click here to continue to page 2 of  "What is a Medicare Supplement?"
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