2019-2020 Medicare Supplement (Medigap) Plans
Now offering low rates in your area
Annual Election Period:
October 15th through December 7th


2019-2020 Medicare Supplement
(Medigap) Plans
Now offering low rates in your area

Annual Election Period:
October 15th through December 7th


McAfee Secure   Manhattan Life BBB Business Review Customer Reviews

2019-2020 Medicare Supplement
(Medigap) Plans
Now offering low rates in your area

Annual Election Period:
October 15th through December 7th


 
McAfee Secure   Manhattan Life BBB Business Review Customer Reviews

The Basics of Medicare Supplement

Why Medicare Supplement?

Who's Eligible?

Benefits Chart

Enrollment Periods

Reduce Out-of-Pocket Costs

Travel Coverage

Household Discount

Additional Coverage

Why Medicare Supplement?
A Medicare Supplement insurance plan, also known as Medigap, helps pay for deductibles, co-payments, co-insurance, and other out-of-pocket costs not covered by Original Medicare. Some Medicare Supplement policies also cover services that Original Medicare doesn't cover, like medical care when traveling outside the U.S.
Who is eligible?
You can apply for a Medicare Supplement plan insurance policy if you are:

1. A resident of a state where the policy is offered

2. Enrolled in Medicare Parts A and B

3. Age 65 or over or, in some states, under age 65 with a disability (plan offerings and eligibility vary by state).

2020 Medicare Supplement Benefits Chart
Medicare Enrollment Periods

Many people find themselves confused by the enrollment periods surrounding Medicare Supplement and Medicare Advantage. Let’s see if we can add a little clarity to the different “enrollment periods”. There are three enrollment periods to keep in mind: your Medigap Open Enrollment Period, the Annual Election Period, and the Medicare Advantage Disenrollment Period.  

 

1. Medigap Open Enrollment

Your Medigap Open Enrollment is a 6 month period that begins the day you are both 65 and have Original Medicare (Parts A & B). If you only bought Part A when you turned 65, your Open Enrollment begins the day you buy Part B. During this time, you are entitled to the following guarantees:

  • Insurers cannot deny you coverage
  • Insurers cannot increase your rates due to health issues
  • You may switch plans
  • Your coverage begins immediately

In other words, if you are in your Open Enrollment and eligible for Medigap, an insurance company must sell you any plan they offer despite your health issues for the same price as someone in good health.

2. Annual Election Period (October 15th through December 7th)

The Annual Election Period is your time to make changes to your existing Medicare coverage. Here are the changes you can make during this time:

  • Change from Medicare Advantage back to Original Medicare
  • Change from Original Medicare to Medicare Advantage (Part C)
  • Change from one Medicare Advantage to another
  • Enroll in a Part D prescription drug plan
  • Change from one Medicare prescription drug plan to another
  • Drop your Medicare prescription drug coverage

Remember, if you switch back to Original Medicare (Parts A & B), you are once again eligible to apply for a Medicare Supplement plan, also known as Medigap.

3. Medicare Advantage Disenrollment Period (January 1st through February 14th)

  • If you have a Medicare Advantage plan you can leave your plan and switch to Original Medicare (Medicare Parts A and B). If you switch to Original Medicare during this period, you can also add Medicare drug coverage. You’ll have until February 14 to join a Medicare Prescription Drug Plan. Your coverage will begin the first day of the month after the plan gets your enrollment form.
  • Once again, if you switch back to Original Medicare during this time, you are eligible to apply for a Medicare Supplement.
Reduce Your Out-of-Pocket Costs
A Medicare Supplement plan works together with Medicare Parts A and B to reduce the healthcare costs you are responsible for paying. Here are a few of the out-of-pocket costs you face with Original Medicare;
 

Co-insurance

A percentage of the cost of services you are required to pay. For example, you may be required to pay 20% of the services you received in co-insurance.

Deductibles

The amount you must pay before your coverage begins. The Medicare Part A deductible in 2019, for example, is $1,364.

Co-payments

A fixed amount you must pay for a covered health care service after you have paid your deductible. For example, your co-pay for a doctor visit may be $20.

Stay Protected When You Travel
Your Medicare Supplement coverage remains the same when travelling anywhere within the United States. When travelling outside of the country, Plans C, F, G, and N provide Foreign Travel Emergency coverage, which pays for 80% of any medically necessary emergency care and only requires a $250 deductible. This benefit has a lifetime maximum of $50,000.
Save with Our Household Discount
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The “Spousal Discount” refers to the discounted rates offered to applicants who are married and reside with their spouse. At ManhattanLife we offer a more inclusive version of the Spousal Discount, referred to as the “Household Discount”. The discount not only applies to married individuals residing with their spouse, but also to non-married individuals who have resided with an individual 60 years or older for at least 12 months. These savings are significant, and range from 7%-12% in most states!

Disclaimer: Additional qualifications for the Household Discount exist in some states due to mandates from the Department Of Insurance in that state.
Add To Your Coverage
ManhattanLife offers supplemental insurance to your Medicare Supplement, or Medigap, policy. Add to your coverage with DVH (Dental Vision Hearing), Final Expense, and Cancer. For more details on each product, visit the Add to Your Coverage page.
 

Ready for the Next Step?
 
Prefer speaking to a Medicare Expert?
1-800-369-3600
Mon - Thu 8:00 AM to 6:00 PM CST
Fri 8:00 AM to 2:00 PM CST
 

 
Reminder: We offer our Medicare Supplement plans through Western United Life Assurance, a company of ManhattanLife.