MEDICARE SUPPLEMENT

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What is Medicare Supplement Insurance?

Medicare supplement insurance (Medigap) covers medical expenses that Medicare Parts A & B do not. This includes deductibles, copayments and coinsurance costs, as well as other services.

You may find it surprising that Medicare does not cover all medical expenses. This gap in coverage creates an exposure to expenses that you are responsible to cover yourself or obtain an insurance policy that can help with that exposure.

Choosing a Medigap policy can be tricky without the help of an unbiased independent broker. Medicare supplement insurance is standardized. This means the benefits and coverages are mandated to be exactly the same regardless of which state or carrier it is purchased through. However, prices can vary drastically, and each carrier may have rate increases at different increments. Individuals who can be medically approved can change carriers, keep the same benefits, and retain significant savings in their pockets instead of giving additonal premium to an insurance company.

Gary is experienced with

Medicare Insurance

"I have a very unique set of experiences that most other insurance brokers do not have. For six years, I worked on the service side of the medical industry. I saw first hand how different insurance choices worked when it came to receiving medical care and services.

Few others are able to explain how your insurance choices will work before you need to use the medical care, but I can. I ensure that you will be an educated and informed consumer when you choose your insurance. Brochures you get in the mail from specific providers simply cannot and will not provide this."

Gary Gorsline

Independent Medicare Insurance Broker Phoenix, Arizona

Hours

Monday - Friday

Daily by Appointment

MEDICARE SUPPLEMENT INSURANCE:

Covers medical costs that Medicare does not
Reduces out of pocket expense to the monthly premium only
Cannot be cancelled due to health issues as long as premium is paid

Medicare Advantage, part C, is a policy that replaces original Medicare. There are many restrictions, limitations, rules and regulations surrounding Medicare Advantage. We will help you determine whether this is a good option for you. It is important to understand that Medigap does not work with Medicare Advantage.

What is Medicare Advantage?

As a security measure, the Centers for Medicare & Medicaid Services announced changes to Medicare cards beginning April 2018. New cards will no longer include social security numbers to help protect against identity theft and fraud. Read the article at cms.org.

Please reach out to me with any question that follows the end of the year advertising campaigns. Advertisements that show up in your mailbox and on TV can cause confusion. Evaluating your Medicare coverages and costs from time to time is a great strategy to ensure you are in the best place for your needs. Based on underwriting criteria, you may be eligible to reduce your expenses with an alternative plan than what you have in place now.