couple walking outside protected by medicare supplement insurance

Help Maximize Your Health Care Dollars by Extending Coverage

Medicare Supplement Insurance Could Help Pay Your Copayments, Coinsurance & Deductibles

When you reach age 65, you are eligible to enroll in Medicare, our federal health insurance program. Sounds like your health insurance coverage gets simpler by this age, right? Well, not really. This governmental health insurance may not be comprehensive in covering all your health care costs, so you might want to consider buying Medicare supplement insurance as well.

Medicare supplement insurance — also referred to as a Medigap policy because it is used to fill in the gaps in your Medicare — is private health insurance designed to supplement Medicare. It helps pay your health care costs that Medicare does not pay, including copayments, coinsurance and deductibles.

There are many standardized Medicare supplement insurance plans (of which Western & Southern offers six through one of our strategic partners). These various policies help you lower your out-of-pocket expenses and get more health insurance coverage. Medicare supplement insurance plans are neither connected with nor endorsed by the United States government or the federal Medicare program.

What Kind of Medicare Supplement Insurance Plan Do You Need?

Western & Southern has formed strategic partnerships with several companies to provide you with insurance for your needs. We have chosen these partners because they demonstrate the same commitment to quality customer service.

With these partnerships, we can offer Medicare Supplement Insurance Plans A, B, F, F* (high deductible), G and N. To be eligible for one of these plans, you must first be enrolled in Medicare Part A and Part B. Here's a quick summary of your options:

Plan A covers your Medicare Part A coinsurance or copayment, your Medicare Part B coinsurance or copayment, needed blood (first three pints) and your Part A hospice care coinsurance or copayment.
Plan B includes all the coverages in Plan A and also covers your Medicare Part A deductible.
Plan F and Plan F* (high deductible) includes all the coverages in Plan C and also covers your Medicare Part B excess charges.
Plan G includes all the coverages in Plan F except your Medicare Part B deductible.
Plan N includes coverages in Plan G except for Part B Excess.

Take the Next Step to Help Ensure Your Peace of Mind

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Learn More About Medicare Supplement Insurance

Start with these educational articles to help empower you to make more informed decisions about your financial future.

Smiling senior couple: medicare supplement insurance

What Is Medicare Supplement Insurance & Is It Right for You?

Where Medicare leaves off, Medigap begins. Learn more about Medicare supplement insurance, and discover if it's the right choice for you.

Senior couple knowledgeable about the difference medicare and medicaid

Medicare vs. Medicaid: How Covered Am I?

Medicare and Medicaid are different programs serving different purposes. Understanding them in the context of retirement planning is crucial.

Why Medicare Supplement Insurance Through Western & Southern?

When you reach age 65, figuring out what kind of Medicare Supplement Insurance you need can be challenging. With our reputation as one of the strongest life insurance groups in the world, Western & Southern has the expert financial professionals who can help lower your out-of-pocket expenses and find the additional health insurance coverage that’s right for you.

IMPORTANT DISCLOSURES

Western & Southern Agency, Inc. is a member of the Western & Southern Financial Group (Western & Southern). Medicare supplement insurance products available at Western & Southern are issued by third party insurance companies, which are not affiliated with any Western & Southern company. Western & Southern Agency, Inc. is the distributor. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.