Medicare Supplements

What Are Medicare Supplement Plans?

Medicare Supplement Plans (also known as Medi-gap Plans) are health insurance plans designed to supplement coverage under original Medicare and fill in certain gaps in original Medicare coverage.


Choosing a Medicare Supplement Plan 

We offer Medicare Supplement policies for 11 of the 13 standardized plans A, B, C, D, F/HDF, G/HDG, K, L, and N (plan availability may vary by state). All Medicare Standardized plans include the following Basic Benefits:
Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
Medical Expenses: Part B coinsurance (generally 20% of Medicare approved expenses) or copayments for hospital outpatient services. Plans K, L, and N require insureds to pay a portion of the Part B coinsurance or copayment.
Blood: First 3 pints of blood each year.
Hospice: Part A coinsurance for eligible hospice/respite care expenses.

See outline of coverage for details and exceptions.

Only applicants first eligible for Medicare Part A before 2020 may purchase Plans C, F and High Deductible Plan F.

Some states require designated Medicare Supplement plans also be available to people under age 65 and eligible for Medicare due to disability (different application forms may be required). Policy benefits are identical for people over or under age 65. Premiums are based on Preferred or Standard, age, sex, State/Area.

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info@metroifs.com | 800-741-1643