Claim Your Life

Medicare Supplement Insurance

Plan Highlights:

  • Your Medicare Supplement policy enables you to see any doctor or provider who accepts Medicare.
  • Your Medicare Supplement policy covers your health care needs anywhere in the country.
  • Benefits can be paid to you, your doctor or your hospital.
  • Your policy has no Pre-Existing Condition waiting period.
    Your coverage begins immediately.
  • Your policy is Guaranteed Renewable for Life.
    As long as you pay your premiums on time.
  • 30-Day Free Look
    If you are not totally satisfied, you may return your policy within the first 30 days for a full refund of the premiums you paid.

Exclusions and Limitations:

Your Medicare Supplement policy will not pay for:

  • any medical expenses incurred before the effective date of your policy
  • any expenses paid for by Medicare
  • any services for expenses that are not Medicare-approved expenses

This is a brief description of Medicare and its coverages. Be sure to read the accompanying Outline of Coverage for specific details. Some of the plans may not be available in certain states.

Medicare is a good program

It pays a large portion of your health care expenses, but it doesn’t pay for all of them!

Relying on Medicare along to cover your health care expenses can leave you with additional expenses or large out-of-pocket costs.

You can protect yourself from potentially hefty medical expenses by enrolling in a Medicare Supplement plan.

*This information provides a bried overview of Part A and Part B of Medicare. For complete information about medicare and a full explanation of your Medicare Benefits, consult Medicare and You and Welcome to Medicare, publised by Centers for Medicare and Medicaid Services or visit their websites at www.cms.hhs.gov or www.medicare.gov

Medicare is health insurance for the following:

  • People age 65 and older
  • People under 65 with certain disabilities
  • People of any age with End Stage Renal Disease (ESRD)
    (Permanent kidney failure requiring dialysis or a kidney transplant)

Original Medicare provides your Part A and Part B coverage. Different parts of Medicare cover specific services if you meet certain conditions.

Medicare Part A

(Hospital Insurance)

Helps cover the following:

  • Inpatient care in hospitals
  • Inpatient care in a skilled nursing facility
  • Hospice care services
  • Home heath care services

You usually don’t pay a monthly premium for Part A coverage if, while working, you or your spouse paid Medicare taxes.

Medicare Part B

(Medical Insurance)

Helps cover medically necessary services such as:

  • Doctors’ services
  • Outpatient care
  • Home health care services
  • Other medical services

You normally pay a monthly premium for Part B coverage. The amount varies based on your reported income and how you pay for Part B.