Medicare Supplements in Pennsylvania.

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Millions of Americans receive Original Medicare as their primary source of health insurance, including more than 1.6 million Pennsylvanians. Still, even though it pays for a lot of your health care, you will still have to pay certain costs on your own.

If you are worried about your ability to pay for some of your outstanding Medicare costs, then you might find it beneficial to enroll in a Medicare supplement plan, also called Medigap insurance. These private plan options supply extended benefits that can help you lessen your health care cost burden in convenient, easily affordable ways.

Reviello’s Insurance Agency offers many Medigap plan options to Pennsylvanians with Original Medicare. Just give us a call at (570) 497-4784 or request a quote online to learn more about this exceptional benefit.

What are Medicare Supplements?

Original Medicare—the government’s standard Medicare program for which most Americans qualify at some point in life—supplies coverage for hospital services (Part A coverage) and medically necessary services (Part B coverage). Overall, it will help you receive covered medical care at the times you need it and at a much lower cost than you might have to pay out of pocket.

However, Medicare does not cover 100% of your health care costs. You therefore will likely have to pay out of your own pocket on most types of care, though the price will vary. To help you better manage some of these outstanding costs, consider the benefits of a Medicare Supplement plan.

Medicare Supplements are private insurance plans offered by private insurers. They cover some or all the costs of care that remain after your Original Medicare has paid its share. Therefore, you will have to pay less out of pocket to receive this care.

They can also cover certain other services that your Part A & Part B coverage will not cover, such as blood transfusions, skilled nursing care or even emergency care you need while traveling abroad.

Medigap plans do not cover services like dental, vision or hearing care, nor do they cover prescription drugs. To receive these extended benefits, you might have to buy a Medicare Advantage plan or add Part D Prescription drug plans to your Original Medicare.

How many Medicare Supplement plans are there?

There are many Medicare Supplements on the market, all offered by reputable private insurers. Each plan will offer a different number of defined benefits. Therefore, while some plans might work for you, others might not.

Plans have a corresponding letter (A – N) to differentiate them from other plans. Two plans with the same letter designation must offer the same benefits, no matter which company you buy your plan from. New subscribers also cannot buy plans E, H, I, and J.

How much do Medicare Supplements cost?

To qualify for Medicare Supplements, you must have Original Medicare Parts A & B. You also cannot be a participant in a Medicare Advantage plan. Certain Original Medicare participants will not qualify for these benefits.

Because these are private plans, their premiums can vary from insurer to insurer. However, your agent is happy to help you review your coverage options to figure out which supplement plan is best for your needs. Since all plans vary, our research is designed to help you find the policy that will offer you both the right combination of benefits and right affordability.