Medicare Overview

Medicare Overview

Medicare was established to help pay basic healthcare needs for people ages 65 and over, but it was never intended to cover all medical expenses. Over time, the cost of items not covered by Medicare has grown to the point where it is often more than an individual can afford to pay.

To help cover your out-of-pocket medical costs, Medicare Supplement insurance policies help pay for items that Medicare may not cover, such as:

• Medicare deductibles
• Hospital and medical care co-insurance
• Extended hospital care
• Physician’s services, hospital outpatient services and supplies
• Ambulance services

Additionally, with Medicare Supplement insurance plans:

• You choose your own doctors – no need to select a primary care physician
• No referrals are needed to see a specialist
• Virtually no claim forms to fill out – medicare pays your providers directly so you don’t need to file claims yourself
• Coverage is guaranteed renewable for life