Medicare Supplement Health Insurance

Why You Need Medicare Supplement Insurance

Medicare is a federal program to help older Americans and some disabled Americans pay for the high cost of health care. However, Medicare was never intended to cover all your health care costs. So even if you’re covered by Medicare, you are still responsible for a large portion of your health care costs.

What Medicare Doesn’t Cover

Medicare does not cover all health care costs. Medicare coverage consists of Part A (which covers hospital and skilled nursing facility care), and Part B (which covers doctor bills and other medical expenses).

Even with Medicare Part A and Part B coverage, you’re responsible for some out-of-pocket expenses including:

• Part A hospital deductible ($1,100)
• Copayments for hospital stays over 60 days
• Care in a skilled nursing facility after 20 days
• Part B deductible ($155)
• Twenty percent coinsurance for doctor bills and other medical expenses

Without Medicare Supplement insurance, your out-of-pocket costs could add up to more than $53,300 this year alone.

Supplementing Medicare

Private insurers offer Medicare Supplement insurance to fill in the gaps for hospital and medical expenses Medicare does not pay.

By law, Medicare Supplement insurance is standardized into twelve plans (Plans A through L). That means Plan F from one company must include the same benefits as plan F from another company. While the benefits must be the same, each company’s rates, reputation, membership features and quality of service can vary.

Eligibility

Age 65 or Older
As long as you are an Illinois resident age 65 or older and have Medicare Parts A and B, your acceptance is guaranteed.

Under Age 65
If you are an Illinois resident, under age 65, have Medicare Parts A and B and apply for a Medicare supplement plan within the six (6) months following your enrollment for Medicare Part B, your acceptance is guaranteed. Get a free quote and apply online, or call us at
1-800-646-3000 for more information.

Existing Medicare Supplement members with questions about your policies, coverage or claims can Log in to Blue Access for Members® or Call: 1-800-624-1723