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Medicare Supplement Insurance is protection for the gaps in your Medicare coverage.

A Medicare Supplement policy is private health insurance designed to supplement Original Medicare. This means it helps pay some of the health care costs ( or “gaps”) that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles). If you are in Original Medicare and you have a Medicare Supplement policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medicare Supplement insurance policy pays its share.

Medicare Supplement insurance policies may not be used with any other type of health insurance including Medicare Advantage Plans, Employer or union group coverage, Veterans Administration benefits, or TRICARE.

Medicare Supplement is standardized by the government.

Companies that offer Medicare Supplement insurance can only sell you one of eleven standardized plans. These Medicare Supplement plans are identified by the letters  A, B, C, D, F High Deductible, G, K, L, M, and N. Each standardized plan must offer the same basic coverage, no matter which insurance company sells it. Cost is usually the only difference between Medicare Supplement insurance policies sold by different insurance companies.

Evaluate your options:

• See your out-of-pocket costs with Medicare.
• Compare plans and benefits.
• See how State Mutual can offer you a lower rate.