Medicare Supplement Insurance for Veterans
Help selecting Medicare Supplement plans to cover gaps in your original Medicare coverage. Find the right plan that works with your VA benefits.
What is Medicare Supplement (Medigap)?
Medicare Supplement insurance, also known as Medigap, helps pay for some of the healthcare costs that Original Medicare doesn't cover, such as copayments, coinsurance, and deductibles. These plans are sold by private insurance companies and work alongside your Original Medicare coverage.
Medicare Part A and B Deductibles
Covers the deductibles you would otherwise pay out of pocket
Coinsurance and Copayments
Pays for your share of costs after Medicare pays its portion
Excess Charges
Covers charges above Medicare's approved amount from providers who don't accept assignment
Foreign Travel Emergency
Provides coverage for emergency care when traveling outside the U.S.
Skilled Nursing Facility Coinsurance
Covers your share of costs for extended skilled nursing facility stays
Benefits of Medicare Supplement Insurance
Medicare Supplement plans offer several advantages, especially for veterans who want to use both Medicare and VA benefits.
For Veterans:
Medicare Supplement insurance can work alongside your VA benefits. You can use VA facilities for VA-covered services and use your Medicare Supplement coverage for services outside the VA system, giving you more flexibility in choosing healthcare providers.
Understanding Medigap Plans
There are 10 standardized Medigap plans (A, B, C, D, F, G, K, L, M, and N), each offering different levels of coverage. The best plan for you depends on your healthcare needs, budget, and how you want to coordinate with your VA benefits.
Plan Plan A
Basic benefits only
Best For:
Minimal coverage needs
Plan Plan F
Most comprehensive (not available to new enrollees after 2020)
Best For:
Maximum coverage (grandfathered)
Plan Plan G
Comprehensive coverage (most popular for new enrollees)
Best For:
Maximum coverage with predictable costs
Plan Plan N
Good coverage with some copayments
Best For:
Balance of coverage and cost
Need help choosing the right plan? Our experts can guide you through the options.
Get Personalized Plan RecommendationEnrollment Information
When Can You Enroll?
Medigap Open Enrollment Period
The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This 6-month period begins the month you're 65 and enrolled in Medicare Part B. During this time, you have guaranteed issue rights, meaning insurance companies can't deny you coverage or charge you more due to pre-existing conditions.
After Open Enrollment
You can still buy a Medigap policy after your Open Enrollment Period, but you may be subject to medical underwriting, which could result in higher premiums or denial of coverage.
Ready to Find Your Medicare Supplement Plan?
Contact us today for a free consultation. We'll help you understand your options and find the Medigap plan that works best with your VA benefits.
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