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Medicare Health Coverage For Seniors, 10 Optional Medigap Supplemental Plans

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Medicare Insurance

Click here to review optional medicare supplemental plans and their fees

What is Medicare Insurance and who qualifies?

Medicare is a Federal Health Insurance program for people age 65 and older. If one is disabled before the age of 65, they may also be on Medicare. The Medicare insurance program includes a Part A and Part B. 

Medicare Part A
Hospital Insurance for hospital, skilled nursing facility home health and hospice care.
Most people do not have to pay for Part A.

Medicare Part B
Supplemental medical insurance for doctor services, outpatient hospital services, medical equipment and some additional medical services and supplies.
Most people pay $93.50 monthly for Part B.

Not "ALL" medical charges are paid for by Medicare and even if they are, the deductibles can be very expensive. Some services are not covered at all.   Medicare Supplemental Insurance Plans ... also known as Medigap insurance policies ... fill in the "gaps" that are left by Medicare. Medigap policies are offered by the private insurance companies.

Medicare Supplemental Health Insurance

Medicare Supplemental Insurance plans are standardized by the government and are available within 10 plans:
A, B, C, D, F, G, K, L, M, N

Former Plans Now Eliminated   E, H, I, AND J.

The most comprehensive plans are Plan C and Plan F.
Both of these plans have no out of pocket expenses ... i.e. one never has to pay a dime. They are not very affordable. 

Plan F does have 3 optional Senior Smart Choice Plans. Senior Smart Choice plans are detailed below and do include some out-of-pocket costs, but overall allow Plan F to be much more financially feasible. Prescription Drugs are covered under Plan D

Basic benefits are included in all 12 plans
 - Inpatient Hospital Care: Covers the Part A coinsurance and the cost of 365 extra days of hospital care after Medicare ends. 
 - Medical Costs: Covers the Part B coinsurance (generally 20%of the Medicare-approved payment amount).
 - Blood: Covers the first 3 pints of blood each year. 

The Senior Smart Choice Plans  (MAKE PLAN F MORE AFFORDABLE)
 1. Smart Choice - Plan F with a deductible of $1790.
 2. Smart Choice Preferred  - Offers a $5 office visit co-pay, vision benefits and chiropractic. 
 3. Smart Choice Plus - Offers a LTC rider with daily benefit of $100/day. 

Plan D is a prescription benefit which pays for drugs. There are many companies that offer Part D and the company one chooses is dependent on their medication as prescribed by their doctor.

Click here to review all plans  Call us for guidance specific to your needs so you can maximize your coverage options. 

For more information please contact us at Toll-Free 800-858-0563 or email us at
 Concentrating on health insurance for over 19 years, Pacific Health Brokers has developed
a reputation for explaining health insurance plans in a simple, direct, and honest way.
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