Medicare Supplement

To make it easier for consumers to comparison shop for Medigap insurance, nearly all states have adopted regulations that limit the number of different Medigap policies that can be sold to 10 standard benefit plans. These plans are lettered A, B, C, D, F, G, K, L, M & N. Each of these plans includes a different combination of benefits.

It is important to know that by law, no company is allowed to pay any more or less on claims with the same lettered plan than any other company.  The only difference in each lettered plan is the premium you pay.

Medicare Advantage

Medicare Advantage plans are designed in a cost-share structure. These plans may come at a lower premium than a Medicare Supplement plan, but do incur some health care costs in the form of co-pays and deductibles. It is important to understand the difference between these two types of plans so you can determine which plan fits your need the best.

Hospital Cash Plans

Hospital Cash plans were designed as an alternative to help pay the increasing out-of-pocket expenses not covered under your current medical plan. These plans pay directly to you, not the provider of your health care. The money you receive can be used as you see fit to help you manage the costs incurred in your time of need. These plans compliment Traditional Medicare, Medicare Supplement or Medicare Advantage plans.