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Medicare Supplement Insurance Plans

MedicareAre you currently enrolled in Medicare, or will qualify soon? Complete Analysis, Inc. specializes in Medicare Supplement Insurance Plans locally in the Coral Springs FL area.

When you enroll in the Federal Government’s Medicare Program, you have a choice between two different plan designs: Original Medicare (which includes Parts A & B) or Medicare Advantage Plans (e.g. an HMO or PPO), which is administrated by private insurance companies.

The Federal Government’s Original Medicare Plan doesn’t cover all your health care expenses. There are deductibles and copayments which must be paid out of pocket. These out of pocket expenses can add up. Because of this, private insurance companies offer Medicare beneficiaries the opportunity to cover these “gaps” in coverage and purchase a Medicare Supplement Insurance Plan.

Generally, the best time to purchase a Medicare Supplement Insurance Plan, also known as a Medigap Policy, is during your six month open enrollment period, which begins automatically beginning the month you turn 65 and are enrolled in Medicare B. During this period, you cannot be turned down for any Medigap policy sold in your state, regardless of your health. While there are “guaranteed issue rights” which are circumstances one can obtain a Medigap policy without answering health questions outside the six month time frame, certain conditions apply. In addition, Florida residents under 65, who obtain Medicare Parts A and B due to disability, have a six month guaranteed issue period to obtain a Medicare Supplement policy.

Complete Analysis, Inc. can assist you in selecting, and applying for a Medicare Supplement Insurance Plan.

A Medicare Supplement Plan policy covers just one person (spouses much purchase separate policies) and is guaranteed renewable, as long as the premium is paid on time. Since Jan. 1, 2006 all Medicare Supplement plans do not cover prescription drug costs. Prescription drug coverage may be purchased separately with a Medicare Prescription Drug Plan (Part D). You may find additional information about Medicare D plans at or call 1-800-MEDICARE.

There are currently 10 Standardized Medicare Supplement Plans available in 47 states including Florida. Although standardized plans have the same benefits regardless of insurance company, customer service and premium amounts may differ greatly.

So where do you go from here? At Complete Analysis, Inc. we can provide you with a report (at no cost to you) based on your zip code, to help you determine your best options. Once we have a discussion, and you decide which Medicare Supplement best fits your needs, we will assist you in the application process.


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