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Cover what Medicare doesn't with a Medigap (Medicare Supplement) plan
Medicare is good coverage, but for many people it is not enough. Medigap plans provide coverage that Medicare doesn't. By purchasing a Medigap plan, you will supplement your Medicare coverage.
All Medigap plans offer the same "basic benefits" to cover large expenses that Medicare does not cover - costs most likely to put your finances in jeopardy. These "basic benefits" cover:
- Medicare Part A coinsurance and all costs after hospital benefits are exhausted
- Medicare Part B coinsurance/copays
- The first three pints of blood
- Hospice care coinsurance/copays
As with Medicare coverage, you can see any provider who accepts Medicare.
For detailed information on eligibility and enrollment please refer to our plan outline of coverage and brochure.
Learn more about our Medigap plans ...
What doesn't Medicare cover?
See which costs our Medigap plans could cover for you.
Medigap plans typically cover deductible and cost-sharing amounts that Medicare doesn't cover
Here are some examples of costs you could avoid with Medigap coverage:
Cost | What you pay without Medigap in 2010 (charges change yearly) |
|---|---|
Medicare Part A Coinsurance and all costs after hospital benefits are exhausted |
For each benefit period, YOU PAY $275 per day for days 61-90 of inpatient hospitalization, $550 per day for days 91-150 of inpatient hospitalization (while using your 60 lifetime reserve days), and all costs after 150 days in the hospital. |
Medicare Part B Coinsurance or Copayment for other than preventive services |
YOU PAY all coinsurance, generally 20% of the Medicare-approved amount for most covered services after you meet the $155 annual Part B deductible. You also pay any copayment. |
There are 10 standard Medicare Supplement plans, also known as Medigap plans. Our Regence Bridge Medigap (Medicare Supplement) plans include Plans A, C, F and K. Most of these plans provide additional benefits to the "basic benefits" to meet various needs, including travel emergency coverage. Plus, separate, stand-alone Part D prescription drug plans and dental options are available with all of our Medigap plans.
Are you eligible?
Find out what's required for enrolling in a Medigap plan.
At the time of Medicare eligibility, most people automatically receive Medicare Part A, which is for hospital care. You can add Part B, which covers doctor visits. Part B premiums typically come out of your monthly Social Security payment.
You must be Medicare-eligible and enrolled in Parts A and B to purchase Medigap coverage. If you apply for a Medigap plan within six months of enrolling in Part B, a health statement is not necessary as long as you meet eligibility requirements.
If you enroll after the six month period, you will need to complete a health statement, unless you fall within certain exceptions. For more information, please see the Medigap Application.
For detailed information on eligibility and enrollment please refer to our plan outline of coverage and brochure.
What's excluded?
Understand what isn't covered by a Medigap plan.
Expenses duplicated by, and those not allowed by, Medicare
We will not provide benefits for any of the following:
- Expenses duplicated by Medicare
- Expenses not covered by Medicare
- Services and supplies provided by a provider not recognized by Medicare-any services or supplies provided by a physician, hospital, skilled nursing facility, or any other provider that is not recognized as payable under the Medicare Act, except as specifically covered under the policy for foreign travel. This includes services provided by a provider who has opted out of Medicare, and who must by federal law, enter into an agreement with you regarding your liability for the care that provider gives you.
- Third party liability-services and supplies for treatment of illness or injury for which a third party is or may be responsible.
