Connect With Top Medicare Supplement Companies

Medicare supplement insurance plans are the best way to protect your health and provide high quality healthcare if you are 65  years of age. Medicare supplemental insurance, also known as Medigap, fills in the gaps that original Medicare does not cover.  This is a specific type of health insurance sold by private insurance companies, and made exclusively for individuals over 65 years of age.  A good Medicare Supplemental plan will help keep your healthcare costs manageable, keep your out-of-pockets expenses low, and allow you to choose the doctors you see and visit the hospitals of your choice.

Medicare Supplement Plans are standardized by the Center for Medicare Services, this means that all insurance companies that offer Medicare Supplement Plans, must offer the exact same plans and benefits.  There are many companies offering Medicare Supplement Plans and there can be a huge difference in monthly premiums.  This is why standardized Medicare plans makes it easy for you to shop for the right plan and compare quotes from multiple companies.  If you are just turning 65 or signing up with Medicare for the first time, it is extremely important to get quotes for the different Medicare Supplement plans.  The fastest and easiest way to get a quote for Medicare Supplemental insurance is to use eTotal Insurance.  Simply type in your zip code above and eTotal Insurance will connect you directly to insurance companies who specialize in Medicare Supplement Plans.

New to Medicare?

If you are about to turn 65 or newly eligible for Medicare, all of the information surrounding Medicare can be overwhelming. Below you can find the basic information regarding Medicare; at eTotal Insurance we want to help you understand Medicare and help you decide which plan is right for you.  Read More

Original Medicare

Medicare Part A & Medicare Part B These plans are not supplemental.  Medicare Part A and Medicare Part B are main coverage and begin when you turn 65.  For most individuals, Part A is automatically started upon turning 65.  Medicare Part B however does not begin automatically and individuals moving to Medicare must enroll themselves.

Medicare Part C and Medicare Part D Medicare Part C is a single plan the combines assistance with basic medical costs.  Medicare Part C is also available with Part D coverage if wanted, Part D is a prescription drug plan that helps to cover the costs of prescription drugs.  If an individual chooses to enroll in Medicare part C, also known as Medicare Advantage Plan, Medicare Part A and Medicare Part B are no longer the main coverage.  Individuals who are covered by Medicare Part A and Medicare Part B can purchase a separate Prescription Drug Plan separately as an additional form of coverage.

Medicare Supplement Vs. Medicare Advantage

Medicare Supplement plans are offered by private insurance companies and are standardized by the Center for Medicare Services. These plans fill the gaps between what original Medicare pays and the amount doctors and hospitals actually charge.  Medicare Supplement plans offer low out-of-pocket expenses, allow you to visit any doctor & any hospital, and are guaranteed renewable.  On the other hand, Medicare Advantage Plans are Medicare approved health plan options offered by private companies. They provide coverage for all of your Medicare Part A and Part B benefits. Medicare Advantage plans often have a lower monthly premium and require only one health question be answered.  In addition, most provide prescription drug coverage and some offer additional benefits such as vision, hearing, and dental.

Prescription Drug Plans

Medicare Prescription Drug Plans, also known as PDP’s, is available to anyone with Medicare.  Medicare Prescription Drug Plans are a subsidized program run by private insurance companies and are designed to protect you from high prescription drug costs. Each plan charges a different premium, has different co-payments, and covers different prescription drugs.  It is highly recommended that when you become eligible for Medicare, you simultaneously enroll in a prescription drug plan.