Medicare Supplement Insurance

Get help with unexpected medical costs that aren't covered by Medicare with supplemental coverage. Speak with an expert on medicare supplement insurance today.

What is Medicare Supplement Insurance?

A Medicare Supplement plan, also known as Medigap, is designed to fill the gaps left by Original Medicare (Parts A and B). These plans help cover out-of-pocket expenses such as copayments, coinsurance, and deductibles that Medicare doesn’t fully pay. With a Medicare Supplement plan, you can enjoy more predictable healthcare costs and the flexibility to see any doctor or hospital that accepts Medicare, without the hassle of network restrictions or referrals.

Medicare Supplement plans are ideal for individuals who want to minimize their out-of-pocket expenses while maintaining the freedom to choose their healthcare providers. They are particularly beneficial for those who travel frequently, as these plans offer coverage across the United States. The best time to enroll is during your Medigap Open Enrollment Period, which starts when you are 65 or older and enrolled in Medicare Part B. This six-month window allows you to sign up for a plan without medical underwriting, regardless of your health status.

Take Advantage of Idaho's Unique Birthday Rule

In Idaho, there’s an extra opportunity to review and switch your Medicare Supplement plan. The state offers a "Birthday Rule," which allows you to change to another Medigap plan with equal or lesser benefits each year, starting on your birthday and lasting for 63 days. During this period, you are guaranteed coverage without having to answer any health questions or face higher premiums due to pre-existing conditions. This annual opportunity gives you the flexibility to find a plan that better fits your needs or lowers your costs.

Get Your Free Medicare Needs Analysis Today

Choosing the right Medicare plan can be overwhelming, but we're here to help! We offer a free Medicare needs analysis to help you understand your options and find the best plan for your unique situation. 

FREE MEDICARE 101- CLICK HERE

Would like to know how Medicare works?  Then I would like to personaly invite you to attend my FREE Medicare 101 on the First Saturday of Every Month!

During this FREE virtual event over Zoom, you will learn about Original Medicare and how it works. We will delve into the various parts of Medicare (PART: A, B, C, and D). We will talk about Eligibility and time frames. We will then finish our time together by answering your questions.
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This is not a sales presentation for any particular plan or carrier. The information presented is designed for educational purposes only. It is meant to better prepare you for the Medicare process and the decisions you will need to make in order to access your Medicare benefits.