What is Medicare Supplement (Medigap) insurance?

A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Your Medigap policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

What you need to know about Medigap policies
1. You must have Medicare Part A and Part B.
2. If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
3. You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
4. You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.
5. Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
6. Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
7. It's illegal for anyone to sell you a Medigap policy if you have a Medicare Medical Savings Account (MSA) Plan.

Information obtained from www.medicare.gov

The Weibling Insurance Agency offers Medicare Supplement Insurance insured by UnitedHealthcare Insurance Company.

UnitedHealthcare Supplemental Rates

Monthly premiums for Non-Tobacco users in zip codes 341-- and 339--

Rates for 2019     Plan F           Plan G           Plan N  

50 to 64                 $762.81       $706.14        $550.49

Issue age 65         $195.26       $166.78        $136.92

Issue age 66         $201.78       $172.35        $141.49

Issue age 67         $209.76       $179.17        $147.09

Issue age 68         $217.49       $185,77        $152.51

Issue age 69         $225.47       $192.58        $156.10

Issue age 70         $232.96       $198.98        $163.35

Issue age 71         $240.45       $205.38        $168.61

Issue Age 72         $247.70       $211.57        $173.69

Issue Age 73         $255.19       $217.97        $178.94

Issue Age 74         $258.81       $221.07        $181.48

Issue Age 75         $269.21       $229.94        $188.77

Issue Age 76         $275.73       $235.52        $193.35

Issue Age 77-79    $281.77       $240.68        $197.58

Issue Age 80-84    $308.11       $263.18        $216.05

Issue Age 85+       $308.11       $263.18        $216.05

Understand the Medicare Basics

The better you understand Medicare and how it works, the better prepared you'll be to choose the plan that's right for you.

Medicare has four parts - A, B, C, and D

  1. Part A (Hospital Insurance)
  2. Part B (Medical Insurance) that covers doctor visits and outpatient care
  3. Part C (Medicare Advantage Plans) are available from private insurers contracted with Medicare. You are eligible to enroll in an advantage plan if you have Medicare Parts A and B
  4. Part D (Prescription Drug Coverage) is only available from private insurers through contracts with Medicare.

Your First Medicare Enrollment Period

If you are approaching age 65, you have a 7 month window to enroll in a Medicare Advantage or prescription drug plan. This window consists of the three months before your 65th birthday, the month of your 65th birthday, and the three months after your 65th birthday.

If you are employed and plan to continue working after your 65th birthday, talk with your company's benefit administrator. Find out how your current health plan differs from or works with Medicare.

If you are not 65 but you are disabled, you are eligible for Medicare after you have received disability benefits from Social Security for at least 24 months.

People who become newly entitled to Medicare should enroll during their initial enrollment period, as they turn 65. You can also enroll during the annual enrollment period from October 15, through December 7, each year.

January 1st through March 31st, the Medicare Advantage Open Enrollment Period. If you're in a Medicare Advantage plan, you can make one change to a different plan or switch back to Original Medicare  (and join a stand-alone Medicare Prescription Drug Plan) once during this time. Any changes you make will be effective the first of the month after the plans gets your request.

An Overview of the plans we offer:

Florida Medicare Advantage Plans

  1. Help pay for hospital costs, doctor visits, and other medical services.
  2. They may also include built-in Medicare prescription drug coverage (Part D)
  3. Typically provide additional benefits like preventive care that Original Medicare doesn't cover.
  4. Plan premiums are not based on age or health
  5. Combine all benefits and services in one plan.

By contacting the phone number on this website you will be directed to a licensed agent. "This is a solicitation of insurance. By providing this information, you agreee that an authorized representative or licensed insurance agent/producer many contact you by telephone, email, or mail to answer your questions or provide additional information about Medicare Advantage, Part D or Medicare Supplement Insurance plans."