Medicare Supplement

Original Medicare, administered by the federal government, is the traditional health insurance program for individuals aged 65 and older, as well as certain younger people with disabilities. It is divided into two primary parts:

• Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. It generally comes with a $0 premium if you’ve earned 40 working credits. 
• Part B (Medical Insurance): Covers outpatient care, doctor visits, preventive services, medical supplies, and some home health services with a monthly premium starting at $202.90 in 2026.

While Original Medicare provides a broad foundation of health coverage, it does not pay for everything. Beneficiaries are responsible for deductibles, coinsurance, and copayments, and there is no annual limit on out-of-pocket costs. Because of these gaps, many people opt for a Medicare Supplement plan.  

If you opt for a Supplemental Plan, you’ll need to pay both the Medicare premium and an additional premium to your chosen Supplemental plan. Additionally, a Part D - Drug plan is recommended for prescription coverage, as Original Medicare does not include this benefit. 

•  Freedom, Nationwide Coverage. See any doctor or specialist who accepts Medicare, without network restrictions.
• No Prior Authorizations
• Guaranteed Issue Right, if you apply for a plan during the first 6 months of your Part B effective date. 
• Coverage for most out-of-pocket costs that Original Medicare does not cover, like deductibles, coinsurance, and copayments.
• No need for referrals to see specialists.
• Emergency medical coverage when traveling in the United States and, in some cases, abroad.
• Protection from high-cost medical bills with comprehensive coverage.
• Guaranteed renewability as long as premiums are paid.
• Predictable, Long-Term Stability and comprehensive protection for your health needs
• Peace of Mind knowing your coverage will not change annually like many Medicare Advantage plans..

Government programs are available that can help with your Medicare costs: 

• Medicare Savings program can help pay your Medicare Premiums. 
• Extra Help / LIS can help with your prescription costs. 

Let's Explore these together.