Are you looking forward to retirement — but not to the decisions you’ll need to make about Medicare?

Just over 50% of seniors’ health care costs are paid by Medicare. The average Medicare recipient, aged 65 and over, has more than $18,620 in yearly health care costs. That’s where Medicare Supplement insurance comes in. It pays Medicare approved services not fully covered by Medicare.

Here are just a few medical expenses you may be responsible for with Medicare:

• The Medicare Part A Deductible 

• The Annual Medicare Part B Deductible

•  Generally 20% of covered Medicare-approved charges in excess of the Part B Deductible 

•  Unassigned Part B claims in excess of the  Medicare-approved amount (not to exceed the limiting charges)

Our supplement covers:

• The Medicare Part A Deductible

• The Annual Medicare Part B Deductible (if eligible)

 • The 20% of covered Medicare-approved charges in  excess of the Part B Deductible

 •  The unassigned Part B claims in excess of the  Medicare-approved amounts

Unlike Medicare Advantage plans, with high deductibles and coinsurance costs, our supplement provides certain protection at a fixed cost, saving throusands of dollars when critical care and expensive services are needed.

Once your insurance policy is in effect, your coverage begins immediately. There is no waiting period for  pre-existing conditions.

Guaranteed Renewability: Unlike Medicare Advantage plans, our Medicare Supplement is guaranteed to renew each year with all the benefits you need.

No Coinsurance: Also, unlike Medicare Advantage plans, you won't pay 20% of the costs of expensive treatements, including chemotherapy, physical rehabilitation and laboratory services. 

Unlimited Preventative Care: Medicare limits coverage for examinations, laboratory services and tests. Our Preventative Care solution pays 100% for any care you choose to stay on top of your health.

Choose your own physician and hospital, with no in-network requirements and no referrals needed for specialist care. 

Nationwide physical fitness benefits including gym memberships and exercise at home options.