MEDICARE SUPPLEMENT INSURANCE
Supplemental MedicaRe health coverage can be a cost-effective way to help with out-of-pocket costs
Steve Turner
Insurance Agent & Broker
Do I Need Medicare Supplement Insurance?
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
Medicare Supplement Insurance
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
Medicare Supplement Insurance
As your Medicare Supplement Insurance Agent and Broker serving you, 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.
Steve Turner, your Helpful Licensed Agent and Broker
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I’m here to take your calls and emails and answer your questions 7 Days a week from 7:00 a.m. to 8:00 p.m., excluding posted holidays.
Steve Turner is a licensed agent, broker, and a longstanding member of the National Association of Benefits and Insurance Professionals®. Steve holds the prestigious designation of Registered Employee Benefits Consultant®. NABIP® is the preeminent organization for health insurance and employee benefits professionals and works diligently to ensure all Americans have access to high-quality, affordable Healthcare, and related services.
Steve Turner is a licensed agent appointed by Florida Blue.
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STEVE TURNER INSURANCE SPECIALIST
STEVE TURNER REBC®
14502 N DALE MABRY HWY
SUITE 200
TAMPA, FL 33618
Website: steveturnerinsurancespecialist.com
Email: [email protected]
Phone and Text: +1.813.388.8373
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SERVICE AREA – USA
The United States: Facts and Top Visitor Sites
The United States of America is a vast and diverse country encompassing a wide array of cultures, landscapes, and iconic landmarks. Here are some key facts and top attractions:
Facts about the USA
The United States is a vast and diverse country, offering a rich tapestry of culture, history, and natural beauty. Here is a comprehensive overview of key statistics and top visitor attractions across the nation.
Key U.S. Statistics and Economic Overview
The United States is a global leader in population, economy, and innovation, attracting people from all over the world.
- Population and Demographics: As of 2025, the U.S. population is projected to be over 343 million people, making it the third most populous country in the world. The population is diverse, with a significant Hispanic and Latino population that accounts for a large portion of the recent growth. The median age is around 39 years, and a growing segment of the population is over 65, reflecting an aging nation.
- Geography: Third largest country by land area, behind Russia and Canada. It stretches across 3.8 million square miles and boasts 4 million miles of roads.
- National Parks: 63 national parks across the nation.
- Government-owned Land: 37% of the land is owned by the government (federal, state, and local).
- Diversity: The US is a diverse country, with a growing non-white population. Non-Hispanic white people currently make up the largest ethnic group, but their share of the population has decreased over time. The Hispanic population has seen the most significant growth, increasing by 23% between 2010 and 2020.
- Languages: While English is the primary language, Spanish is the most common non-English language spoken at home, followed by Chinese and Tagalog.
- Aging Population: Americans are living longer, with the 65 and older population increasing significantly.
- Economy & Key Industries: The U.S. economy is the largest in the world by nominal GDP. Its economic strength is built on several key industries:
- Financial Services: This sector is a global powerhouse, centered in cities like New York, with major hubs for banking, insurance, and investment.
- Technology and Information Technology (IT): The U.S. is a world leader in technology, with major tech hubs in Silicon Valley, Austin, and Seattle, driving innovation in software, hardware, and digital services.
- Healthcare and Social Assistance: As the largest private employment sector in the country, healthcare is a massive industry with a high demand for skilled workers and ongoing innovation.
- Manufacturing: The U.S. manufacturing sector is a backbone of the economy, producing everything from automobiles and aerospace components to medical equipment and consumer goods.
- Work from Home Trends: More Americans are working remotely compared to pre-pandemic times. In 2022, 15% of Americans worked from home, up from 6% in 2019.
Top Places for Visitors to Explore in the USA
The United States offers an incredible variety of destinations, from iconic cities to breathtaking national parks.
- New York City, New York: A global icon, New York City is famous for its vibrant culture, world-class museums, and iconic landmarks. Visitors can explore Times Square, see a Broadway show, visit the Statue of Liberty, and walk through Central Park. The city offers an endless array of dining and shopping experiences.
- The Grand Canyon, Arizona: A breathtaking natural wonder carved by the Colorado River, the Grand Canyon National Park is a must-see. Visitors can take in panoramic views from the South Rim, hike into the canyon, or take a helicopter tour for a unique perspective.
- Las Vegas, Nevada: Known as “The Entertainment Capital of the World,” Las Vegas is famous for its casinos, luxury hotels, and spectacular live shows. The Las Vegas Strip is a bustling boulevard with unique attractions and a vibrant nightlife.
- Orlando, Florida: The “Theme Park Capital of the World,” Orlando is home to some of the world’s most famous attractions, including Walt Disney World Resort and Universal Orlando Resort. It is a top destination for families and anyone seeking a thrilling, magical vacation.
- Washington, D.C.: The nation’s capital is a city of history and monuments. Visitors can explore the National Mall, which connects the Lincoln Memorial, Washington Monument, and the U.S. Capitol. It’s also home to the Smithsonian Institution’s world-class museums.
- Yellowstone National Park, Wyoming: As the first national park in the U.S., Yellowstone National Park is a marvel of geothermal activity and wildlife. It is home to the famous Old Faithful geyser, the Grand Prismatic Spring, and a wide variety of animals, including bison, bears, and wolves.
- San Francisco, California: This iconic city on the West Coast is famous for the Golden Gate Bridge, its historic cable cars, and diverse neighborhoods. Visitors can explore Fisherman’s Wharf, Alcatraz Island, and the beautiful Golden Gate Park.
- Hawaii: The state of Hawaii is an archipelago in the Pacific Ocean known for its stunning natural beauty, volcanic landscapes, and rich Polynesian culture. Visitors can relax on beautiful beaches, hike through lush rainforests, and explore the Hawaii Volcanoes National Park on the Big Island.
- Great Smoky Mountains National Park, North Carolina/Tennessee: The Great Smoky Mountains National Park is the most visited national park in the U.S. and is known for its beautiful mountains, diverse plant and animal life, and rich Appalachian culture.
- New Orleans, Louisiana: This historic city on the Mississippi River is famous for its unique blend of cultures, live music, and vibrant festivals. The French Quarter is a lively neighborhood with historic architecture, delicious Creole cuisine, and jazz clubs.
MEDICare SUPPLEMENT INSURANCE POSTS
SERVICE AREA
MEDICARE STATEMENT
The Medicare Annual Enrollment Period is October 15th to December 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, and any information I provide is limited to those offered. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
There’s no one-size-fits-all answer. Carefully evaluate your health status, anticipated medical needs, prescription drug usage, budget, preferred doctors and hospitals, and tolerance for network rules. During the Medicare Annual Enrollment Period (October 15th to December 7th), thoroughly research the specific plans available in your Florida county using the Medicare Plan Finder on Medicare.gov, compare their costs and benefits, and consider seeking free, personalized counseling from Florida’s SHINE (Serving Health Insurance Needs of Elders) program.