Medicare Supplemental Insurance
We are Medicare Insurance Brokers offering Medicare supplements (also known as Medigap plans) from all major insurance companies in Las Vegas. Medicare supplements help cover the gaps in Original Medicare including the 20% that Medicare Part B does not cover. With a Medicare supplement, there is no network. You can go to any doctor, hospital, or clinic in the country that takes Medicare. Another benefit of a Medicare Supplement is the ability to fix the cost of your healthcare. For example, you could choose the Medicare Supplement Plan G and your only health cost for the year will be the Part B deductible.
Can You Get a Medicare Supplement?
Medicare supplements are not guaranteed to everyone. If you are taking Medicare Part B for the first time, you may qualify for a guaranteed issue. Otherwise, you will need to go through medical underwriting. In that case, you could be denied if you have certain pre-existing conditions. We will review your specific situation and help you take advantage of any available guarantees. If you will be required to qualify medically, we will review the health questions with you so that you know if there will be any concerns in getting an approval.
Does a Medicare Supplement Cover Prescription Drugs?
If you elect to have a Medicare supplement, you will need to get a separate plan to cover your prescription drugs. There are dozens of drug plans to choose from in Las Vegas, we will make sure that your plan offers coverage for the prescriptions you take.
Medicare Supplement Plan Types
There are more than a dozen Medicare Supplements to choose from in Las Vegas. Medicare Supplements come in plan types with letters for names: A, B, C, D, F, F High Deductible, G, K, L, M, and N. These plans are standardized and insurance companies offering one of these plans is generally offering the same thing as other insurance companies offering a plan with the same letter. Often, the only difference in a plan from one insurance company to another is the premium.
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Why Choose a Medicare Supplement?
- Acceptance: Medicare Supplements are accepted by every doctor in the country who accepts Medicare
- Freedom: Referrals and prior authorizations are generally not needed
- Value: You can fix the cost of you health care and be able to predict your annual healthcare costs
We are ready standing by ready to help you. Remember, there is not cost to you for our services.