MEDICARE SUPPLEMENT

First-dollar coverage for out-of-pocket expenses not covered by Medicare. Freedom to choose your own doctors and hospitals – no referrals or networks (Must take Medicare). 

Covers Medicare-allowable services when traveling within the U.S. Priced competitively for predictable out-of-pocket costs. Portable – Plans move with the insured and can be used in all 50 states and its territories as long as the provider accepts Medicare. (Note: Medicare Select Plans have hospital network restrictions.) Guaranteed Renewable – Automatically renews or is guaranteed to continue from year to year except for termination due to non-payment of premium. Emergency coverage when traveling outside the U.S. (plan-specific) Not subject to lock-in. Medicare supplement plans may be purchased throughout the entire year by eligible Medicare consumers. You can have a Medigap plan and may purchase a standalone drug plan. Automatically adjusts/changes benefits as Original Medicare adjusts/changes its coverage. Cannot be singled out for a rate increase. Coverage for out-of-pocket expenses to help pay coinsurance, co-payments, and deductibles associated with Medicare-covered services. Comes with a 30-day “free look” evaluation period. Full refund of premiums if the policy is returned within 30 days of policy issuance minus any claims.