MEDICARE SUPPLEMENT INSURANCE
Tampa, FL
Supplemental Medicate health coverage can be a cost-effective way to help with out-of-pocket costs
Steve Turner
Insurance Specialist
Serving Tampa, Fl
Do I Need Medicare Supplement Insurance?
Medicare Supplement, also known as Medicare Medigap, is a type of private insurance that can help pay for some of the costs that Original Medicare (Parts A and B) does not cover.
Private insurance companies sell Medicare Supplement policies and can help fill the gaps in Medicare coverage. Medicare Supplement plans do not provide additional benefits beyond what Original Medicare covers, but they may cover some or all of your deductibles, coinsurance, and copayments.
Unlike Medicare Advantage plans, Medicare Supplement plans do not have networks of providers, which means you can see any doctor or hospital that accepts Medicare. However, you must pay a monthly premium for a Medicare Supplement plan and your Medicare Part B premium.
HOW I CAN HELP YOU
Tampa, Florida
KEY DETAILS
Benefits:
Medicare Supplement or Medigap policies are standardized and are labeled with letters A through N. Each plan provides a different set of benefits. All Medicare Supplement/Medigap policies cover Part A coinsurance and hospital costs, and some plans also cover Part B coinsurance and deductibles, as well as other services.
Cost:
Medigap policies have a monthly premium, and the cost can vary depending on your chosen plan and where you live. You may also be required to pay deductibles, copayments, and coinsurance.
Enrollment:
You can enroll in a Medigap policy during your Medigap Open Enrollment Period, which starts when you are 65 or older and enrolled in Medicare Part B. During this time, you have a guaranteed right to buy any Medigap policy sold in your state.
Coverage:
Medigap policies only work with Original Medicare (Parts A and B). They do not work with Medicare Advantage plans.
Underwriting:
When you apply for a Medigap policy, the insurance company may review your health history and can charge you more or deny coverage based on your health status.
ADVANTAGES
More Comprehensive Coverage:
Medicare Supplement plans can provide more comprehensive coverage than Medicare Advantage plans by filling in the “gaps” in Original Medicare coverage, such as deductibles, coinsurance, and copayments.
Freedom to Choose Providers: Unlike Medicare Advantage plans, Medicare Supplement plans do not have networks of providers, which means you can see any doctor or hospital that accepts Medicare.
No Prior Authorization:
Medicare Supplement plans do not require prior authorization for treatments or services, giving you more control over your healthcare.
Guaranteed Renewable:
Medicare Supplement plans are guaranteed renewable, meaning the insurance company cannot cancel your coverage as long as you pay your premiums on time.
DISADVANTAGES
Higher Premiums:
Medicare Supplement plans typically have higher monthly premiums than Medicare Advantage plans.
No Prescription Drug Coverage:
Medicare Supplement plans do not include prescription drug coverage, so you will need to enroll in a separate Medicare Part D plan for prescription drug coverage, which is an additional cost.
No Additional Benefits:
Medicare Supplement plans do not provide additional benefits beyond what Original Medicare covers.
Limited Enrollment Period:
You can enroll in a Medicare Supplement plan during your initial enrollment period or a special enrollment period, and you may be subject to medical underwriting if you apply for coverage outside of these periods.
MEDICARE SUPPLEMENT INSURANCE AGENT AND BROKER NEAR ME
Tampa, Florida
As your Medicare Supplement Insurance Agent and Broker serving you in Tampa, Florida, my goal is to “help you” and ensure, without a shadow of a doubt, that you and your family are secure and protected from risk. As a licensed Medicare Supplement Agent, I take the burden off your shoulders by doing a thorough needs analysis and researching the benefits best suited to you and your needs.
I can help you find a Medicare Supplement plan that gives you peace of mind knowing you have predictable out-of-pocket expenses, and you can choose any doctor or specialist that accepts Medicare Nationwide.
Medicare is constantly changing, and I work tirelessly to stay informed about the latest developments in the market. Not a year goes by without new government regulations, new or modified coverages, and new techniques for controlling benefit costs. To best serve their clients, professionals must understand each type of benefit or program’s provisions, advantages, and limitations to meet economic security.
I am a long-standing National Association of Benefits and Insurance Professionals® (NABIP.ORG) member and hold the prestigious Registered Employee Benefits Consultant® designation (https://nabip.org/professional-development/rebc-designation). I can provide information on your market’s availability and any expected changes.
After you choose your Medicare Supplement Insurance plan, I provide ongoing support all year; you won’t have to call an (800) number any longer.
If you have any questions, issues, or concerns about your plan’s benefits, you can contact me via phone, text, or my simple-to-use email contact form using the buttons below.
MEDICARE SUPPLEMENT FAQ
Tampa, Florida
WHAT MY CLIENTS SAY ABOUT ME
Tampa, Florida
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Tampa, Florida
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QUESTIONS? CONTACT ME
I’m here to take your calls and emails and respond to your questions Monday through Friday from 9:00 a.m. to 5:00 p.m., excluding posted holidays.
EMAIL ME: 24×7
OFFICE LOCATION
STEVE TURNER INSURANCE SPECIALIST
14502 N DALE MABRY HWY
SUITE 200
TAMPA, FL 33618
Medicare Annual Enrollment Period is Oct. 15th – Dec. 7th. Steve Turner is not connected with or endorsed by the United States Government or the Federal Medicare Program. Some plans may not be available in your area. Any information I provide is limited to plans offered in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all of your options.
