Insurance to cover areas that are not covered by Medicare

Medicare is one of the U.S. government’s most popular programs for senior citizens. But some healthcare costs actually fall into a gap that Medicare doesn’t cover. After all, Medicare was never meant to cover every aspect of your health needs. So what do you do to cover these gaps, which are additional out-of-pocket expenses for you? Consider purchasing a Medicare Supplement (Medigap) individual health insurance policy.

 

Customer Profile

If you are age 65 and older and currently enrolled in Medicare Part A and Part B, you have the option to purchase a Medicare Supplement insurance policy. You may also be eligible if you are under age 65 and qualify for Medicare due to disability (regulations vary by state). You are unable to use Medicare Supplement if you have a Medicare Advantage Plan. If you have Medicaid, an insurance company can sell you a Medigap policy only in certain situations, for more information click the link below to “A Guide to Health Insurance for People with Medicare."

 

Products

Medicare Supplement insurance includes standardized plans, regulated by the government, that are designed to provide additional medical coverage for expenses not covered by Medicare. Medicare Supplement plans cover a number of your out-of-pocket costs, and most cover all or part of coinsurance and deductibles for hospital stays (Part A) and physician visits (Part B) under Medicare. 

State-Approved Brochures

For information on the Medicare supplement plans offered by Everest, please click on the state below.

For additional information, review “A Guide to Health Insurance for People with Medicare" developed jointly by the Centers for Medicare & Medicaid Services (CMS) and the National Association of Insurance Commissioners (NAIC) or “Medicare & You” the U.S. government Medicare handbook developed by CMS.

Neither Everest Reinsurance Company nor its Medicare supplement insurance policies are connected with or endorsed by the U.S. Government or the federal Medicare program.

This website is intended to be a brief summary of coverage and is not intended to be a legal contract. The entire provisions of benefits and exclusions are contained in the Policy. In the event of a conflict between the Policy and this description, the terms of the Policy will prevail.

 

 

 

 

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