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- Medicare Part A & B have several ‘gaps’, out of pocket expenses not paid by medicare. Medigap supplements (Medicare supplements) are designed to pay some or all of these expenses.
- Medicare supplement plans are offered through private insurance companies. They are regulated by state and federal laws. The benefits for all coverage options are generally the same regardless of the insurer. The differences will be in who administers the plan and the price.
- There are different plans that are approved by the state and federal laws that allow Insurance companies to offer. They are labeled by letters: A, B, C, D, F, FHD, G, K, L, M, and N.
- You must enroll in Medicare Parts A & B to qualify for a medicare supplement plan. Medicare supplements do not include prescription drugs, as does medicare advantage. These must be purchased separately with medicare supplements.
- Your open enrollment period for medicare supplement plans begins the first day of the month you turn 65. You have 6 months to enroll and not be subject to answering health questions.
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