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Q. How are RXs covered on Medicare Supplements?

A. That can be obtained through a Medicare Part D program. Please ask for our help!

Q. Which Medicare Supplement Plans are most often purchased?

A. Although it varies from state to state, Plan F typically is the most often purchased. With Plan F, all deductibles and coinsurance are covered. As long as it is a Medicare approved expense, you will pay nothing. Plan G is another popular plan. The main difference is this Medicare Supplement does not cover the Medicare Part B deductible.

Q. With a Medicare Supplement policy, do I have a list of doctors and hospitals I must use?

A. Medicare Supplements allow you to go to any doctor or hospital in the United States as long as they accept Medicare unless it is a Select plan, which specifies the hospitals you can go to.

Q. What is an Open Enrollment Period?

A. The first 6 months an individual is on Medicare Part B is the Open Enrollment Period. During this period the Medicare Enrollee can purchase any of the 10 Medicare Supplement Plans from any company without going through underwriting. To know for sure if you are in your Open Enrollment Period you can look at your Medicare card for the Medicare (Part B) start date.

Q. What kind of preventative services are covered by Medicare?

A. Medicare Part B covers diabetes services, pap tests and pelvic screenings, prostate cancer screenings, mammogram screenings, and vaccination shots.

Q. Should a person purchase a Medicare Supplement if one already has group insurance through an employer?

A. One should not spend money on a Medigap policy unnecessarily. Try to avoid being double covered. An agent can help you understand if a Medicare Supplement would put you in that position.