There are 10 standardized Medicare supplement insurance plans available in most states. Medicare supplement insurance works to support your Original Medicare benefits in the following ways:
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Original Medicare helps cover the costs of a wide range of medical services and supplies. However, it includes out-of-pocket costs such as coinsurance, copayments and deductibles that can add up quickly. Medicare supplement insurance plans are sold by private insurance companies to help pay for these costs, filling in some of those coverage gaps.
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Q: What is Medicare supplement insurance?
A: Medicare supplement insurance is also referred to as Medigap. It is sold by private insurance companies and helps pay for some of the out-of-pocket costs associated with Original Medicare, such as deductibles, copayments, coinsurance and other fees. There are 10 standardized Medigap plans available in most states.
Q: Am I Eligible for Medicare supplement insurance?
A: If you are enrolled in Medicare Part A and Part B and are 65 years or older, or have a qualifying disability, you are likely eligible to purchase Medicare supplement insurance. If you apply during your Medigap open enrollment period (a 6-month period starting the first day of the month you're age 65), you cannot be denied coverage or charged more for your policy based on your health.
Q: What does Original Medicare cover?
A: The U.S. federal government provides Original Medicare (Medicare Part A and Part B) health coverage to people who are age 65 or older, and younger people who are disabled or are suffering from ESRD. Original Medicare covers hospital care and other health insurance costs such as visits to the doctor and medical supplies, among others.
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Medicare supplement insurance is underwritten by Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175. Neither Mutual of Omaha Insurance Company nor its Medicare supplement insurance policies are connected with or endorsed by the U.S. government or the federal Medicare program. Mutual of Omaha Insurance Company is licensed nationwide. Policy forms: MM20, MM21, MM22, MM23, MM24, MM25, MM30, MM34, MM35, MM36 or state equivalent. In CA: MM20-24250, MM24-24251, MM25-24252, MM34-24916, MM35-24917, MM36-25627; in ID: MM20-24035, MM24-24036, MM25-24037, MM34-25010, MM35-25011; in NH: MM20-24462, MM24-24463, MM25-24464, MM34-25031, MM35-25032, MM36-25632; in PA: MM20-24978, MM21-24980, MM22-24982, MM23-24984, MM24-24986, MM25-24988, MM34-24990, MM35-24992; in VA: MM20-25669, MM24-25670, MM25-25671, MM35-25673; MM36-25672; App: MA6026-44. Not all policy forms may be available in every state. Your Medicare supplement insurance policy will not pay for: expenses you incur while your policy is not in force; except as provided in the EXTENSION OF BENEFITS section; your confinement in a hospital or skilled nursing facility during a Medicare Part A benefit period that begins while your policy is not in force; any expense you incur which is paid for by Medicare; any expense that is payable under any other insurance plan, policy, or certificate, or any employee benefit plan, which pays benefits on an expense-incurred basis; non-Medicare-eligible expenses, including, but not limited to, routine exams, take-home drugs, and eye refractions; services for which a charge is not normally made in the absence of insurance; or loss of expense that is payable under Medicare supplement insurance policy or certificate. IMPORTANT NOTICE - “A CONSUMER'S GUIDE TO HEALTH INSURANCE FOR PEOPLE ELIGIBLE FOR MEDICARE” MAY BE OBTAINED FROM YOUR LOCAL SOCIAL SECURITY OFFICE OR FROM MUTUAL OF OMAHA INSURANCE COMPANY.
✝ WA, OR residents: All references to "agent" should be replaced with "producer."
* Rating only refers to the overall financial status of the company and is not a recommendation of the specific policy provisions, rates or practices of the insurance company.
GA residents: THIS IS A LIMITED POLICY DESIGNED TO COVER ONLY THOSE EXPENSES WHICH MEDICARE DOES NOT COVER.
This is a solicitation of insurance and a licensed agent may contact you by telephone to provide additional information. AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST.
Note: In some states, Medicare supplement policies are available to those eligible for Medicare due to a disability, regardless of age.