Medicare Supplemental Insurance in Champaign, IL and throughout Central Illinois
Medicare Supplemental Insurance Quote Forms
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Medicare Supplemental Insurance Information
Additional Insurance to Cover the Gaps
Medicare can provide valuable healthcare coverage. However, even with a plan in place, you will typically incur some out-of-pocket costs. A Medicare supplemental insurance plan, known as Medigap, can help you pay for these expenses.
The experienced agents at Prairieland Insurance Group in Champaign, Rantoul, and Newman, Illinois, can help you secure the policy you need. Reach out to us today to get started.
What Is Medicare Supplement Insurance (Medigap)?
Medigap functions as a supplement to Original Medicare, which consists of two parts: Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). Original Medicare typically doesn’t cover all of your health care expenses; you’re usually still responsible for deductibles, copayments, coinsurance and other types of services (e.g., medical care during travel outside of the United States).
Medigap can help you reduce your remaining costs. There are 12 Medigap Plans (A-D, F, F-High Deductible, G, G-High-Deductible, K-N), each offering different coverages. Their price points vary. Contact us to discuss which one best fits your needs and budget.
When Can I Enroll in a Medigap Plan?
To enroll in a Medigap Plan, you must carry Original Medicare (Parts A & B) and reside within a plan’s coverage area. The Medigap open enrollment period starts the first month you have Medicare Part B and you’re 65 years old or older. This timeframe generally cannot be changed or repeated, although some states have additional open enrollment windows. Additionally, you cannot be denied coverage during the open enrollment period and insurers may not consider your health when determining the price of the policy.
Although the open enrollment period is typically when individuals have more choices and receive better prices, Medigap policies may be available outside of it and to those under 65 years of age. Reach out to our agents to discuss enrollment eligibility, coverages, exclusions and premiums.
Contact Us Today for More Information
Prairieland Insurance Group is ready to help you secure the Medigap policy you need to supplement your Medicare coverage. Contact us for details.
Avoid gaps in your current Health plan with Supplemental Insurance from Prairieland Insurance Group, LLC.