With all the choices you have for your health care coverage, it's important to understand how each one works, its benefits and your share of the costs. Here's a brief look at the benefits of owning Medicare supplement Insurance.
Benefits Match Medicare Changes
Every year, your Medicare supplement insurance policy benefits coordinate with your Medicare benefits to help you meet your eligible health care ex-penses,
depending on the plan you choose. What's more, you can be sure your bene-fits won't decrease.
Keep Your Doctors and Hospitals
With your Medicare supplement insurance policy, you alone select all your health care providers to use whenever and wherever you choose. You don't have to worry about your doctor or hospital leaving a provider network at any time. And, you never need a referral to see a specialist.
Coverage is Guaranteed Renewable
Your Medicare supplement insurance policy cannot be cancelled. It will be renewed as long as you pay the premiums on time and make no material misrepresentations (premiums are subject to change by class).
Providers Accept Patients with Medicare Supplement Insurance
Your Medicare supplement policy enables you to see any doctor or provider who accepts Medicare.
Your Coverage Goes with You
Just like Medicare, your Medicare supplement covers your health care needs
anywhere in the United States. Some Medicare supplement plans even pro-vide limited medically necessary emergency care outside the country (beginning during the first 60 days of each trip). That way, you can confidently travel or live part of the year anywhere you choose.
Guaranteed Issue Coverage
Sometimes when you apply for Medicare supplement coverage, you don't answer any questions about your health and your policy is guaranteed issue. One time is during your Medicare open enrollment period. Some other times are when:*
- You or your Medicare Advantage/Private Fee for Service plan move out of the service area
- Your employer discontinues its group retiree health coverage
- You leave a Medicare Advantage plan within a year of joining and return to Medicare. This applies only if you joined the Medicare Advantage plan for the first time since enrolling in Medicare.
