Medicare Supplement

A Medicare Supplement may be purchased from a private insurance company. To be eligible, you must be enrolled in Medicare Parts A and B, you must live in the state where the policy is offered and be age 65 or over.   In some states, you can be under age 65 with a disability or end-stage renal disease (ESRD).

• Medicare Supplement insurance plans are not the same as Medicare Advantage plans;
• A Medicare Supplement insurance plans only covers one person.  If you and your spouse both want Medicare Supplement insurance coverage, you must buy separate policies;
• Medicare Supplement insurance plans do not include prescription drug coverage.  If you want prescription drug coverage, you must join a Medicare Prescription Drug Plan also known as Medicare Part D;
• You will pay a monthly premium when you have a Medicare Supplement plan in addition to the Medicare Part B premium;
• A Medicare Supplement policy is guaranteed renewable even if you have health problems.  This means your private insurance company can’t cancel your policy as long as you pay the premium and provided accurate information on your application;
• Medicare Supplement plans generally don’t cover long‐term care, vision or dental care, hearing aids, eyeglasses nor private‐duty nursing.