Medicare Supplement Benefits

Guaranteed Issue Coverage

During your Medicare open enrollment period, you are not required to answer any questions about your health and your policy is guaranteed issue.  Other guaranteed issue periods are when:

• Your employer discontinues its group retiree health coverage.
• You leave a Medicare Advantage plan within a year of joining and return to Medicare.
• You move out of your Medicare Advantage/Private Fee for Service area or your plan is discontinued in your area.
• For more information, download the Guide to Heath Insurance for People with Medicare.

Coverage is Guaranteed Renewable

Your Medicare Supplement insurance policy cannot be cancelled. While premiums are subject to change, your policy will be renewed as long as you pay the premiums on time and make no material misrepresentations.

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.

Providers Accept Patients with Medicare Supplement Insurance

Your Medicare Supplement policy enables you to see any doctor or provider who accepts Medicare.

Your Coverage Travels With You

Just like Medicare, your Medicare Supplement policy covers your health care needs anywhere in the United States. Some Medicare Supplement policies even provide limited medically necessary emergency care outside the country.