Medicare Supplement Plans also referred to as Medigap Plans offered by private insurance companies:

Carriers represented:

• UnitedHealthcare
• Blue Cross Blue Shield
• For people who want to enroll in a Medicare Supplement plan they MUST have Original Medicare Parts A and B in place before you can apply for a policy.
• All Medicare Supplement plans offered by the carriers are required by federal law to be identical to one another.  The only difference between them is their rate levels.  There are up to eight different plans with Plan F being the most purchased plan because it pays what original Medicare doesn’t pay at 100%, but is no longer available for individuals turning 65 after 1-1-2020.  Those beneficiaries who already have Plan F are grandfathered and can keep it as long as the want it.  Plan G is the next best plan available now.
• Plans are designed to supplement and work only with Original Medicare.
• There is a monthly premium associated with a Medicare Supplement plan.  Rates are based upon attained age.
• People turning 65 and enrolling in Part B for the first time coverage is on a guaranteed issue basis for the first 6 months after the Part B effective date meaning you cannot be denied coverage for any reason and all pre-existing conditions are covered.  After the 6 month period has passed and you want to purchase a Medicare Supplement policy you must then answer medical questions and could be declined a policy if present health conditions warrant such a decision.
• For people retiring and coming off an employer plan you must apply for Part A & B and have them in place before you can apply for a Medicare Supplement policy.  It is highly recommended you apply for Medicare at least two months before you leave employment.  You can go to casanovains.com and apply by clicking on the link “Apply for Medicare” under the Medicare tab located at the top of the landing page
• If you have already enrolled in Part A you must complete a Part B Only Application Form, as well as, A Request For Employment Information Form located on the right on this page.  You then must call your local Social Security office and ask them how they want the forms sent in or you can go by your local office and deliver them.  The is the fastest way to get enrolled.