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What is a Medigap Insurance Coverage Plan?

Medigap Insurance PoliciesA Medigap Insurance Coverage Plan is extra health insurance you purchase from a major insurance company that pays your health costs that are not covered by Medicare. These plans cover deductibles, co-payments, co-insurance and even health care you may receive while traveling outside of the United States. Some Medigap supplement plans even cover certain health services that traditional Medicare does not.

What are my plan options?

In most states, there are 10 standardized plan options. Plan F is the most popular option and is the only one that includes all 9 Medigap benefits.

How are plans priced?

Insurers can charge you different prices based on the type of plan you buy. Your health status may also affect your prices if you are outside of your open enrollment period.

Is Medigap Supplement Insurance the same as a Medicare Advantage plan?

No. Medigap Supplement Insurance Policies help cover Medicare Part A & B out-of-pocket costs. Medicare Advantage Plans are an alternative way to get your Medicare coverage and, in some cases, additional benefits.

When can I buy a Medigap Supplement Insurance Policy?

Any time after you are enrolled in Medicare Parts A & B. You do not have to wait for Open Enrollment to buy a policy. The best time to buy is in the first 6 months after you are both 65 years old and enrolled in Medicare Parts A & B.

Why should I buy from a local licensed Medigap Supplement Insurance Agency?

There are 10 supplement insurance plans available from multiple major insurance companies. Our job at Choice Plus Benefits is to provide you with the best health insurance policy that fits your needs and lifestyle.

What about my Prescription Drug Plan?

As a customer of Choice Plus Benefits, we will not only keep you apprised of changes to your Medigap Plan but we will also process your Prescription Drug Plan for free. We do this every year for our most valued customers…You!

Do you charge for your services?

No, we do not. The Medigap Policy industry is highly regulated by the government. We work directly with all of the major insurance companies and they pay us for our recommendations. You will see no additional costs on your policy because you decide to work with us. Instead, you get all of the benefits of a great trained team of agents that provide a much better customer experience than a large company might provide. After all, our motto is Client for Life.

Why should I do business with Choice Plus Benefits?

Great question. Choice Plus Benefits has been providing Medigap Policies to customers since 1997. We are a family owned and operated licensed insurance agency in the state of Texas. We have an A+ rating with the Better Business Bureau. Our real secret though is our dedication to you even after you make a decision and purchase a supplemental insurance plan. We are available throughout the year to answer any questions you might have. We will also process your Prescription Drug Plan and our dedicated staff is constantly trained on any and all developments that occur to your plan and the Medicare Insurance marketplace as a whole.