Medicare Supplement

Plans that fill the gaps of Medicare Part A & B.


Although Medicare Part A & Part B pay for a portion of your healthcare costs; there are limits to the coverage with deductibles, copays, and coinsurance not all medical services are covered. Medicare Supplemental Plans sometimes referred to as Medigap, fill in the gaps where Medicare alone does not cover. 

Medicare Supplement Plans are recognized wherever Original Medicare is accepted. The insurance plans allow you to choose your own doctor or specialist (who accepts Medicare patients) without network restrictions. Other services not normally in a supplement Medicare Plan are Dental and Vision, and Prescription Drug Plans.

Getting a Part D Prescription Plan is important in order to keep creditable prescription drug coverage so you will not incur a penalty.

Stand Alone Dental and Vision and Prescription Drug Plans are available.  We can answer your questions about out-of-pocket cost and Medicare Supplement premiums and ensure you are fully protected.  We have access to a wide range of Carriers for the Medicare Supplements in Houston, Tomball, and The Woodlands. 

The Popular Feature:

Any Doctor...Any Hospital... That means, more choices in doctor and hospital providers.  Any Nursing Facility...Any Home Health Agency, as long as they accept original Medicare. NO NETWORK!

Did you know...

Medicare Supplement Plans are standerized by the Goverment. 

Plans A,D,F,G, K thru N

There are 10 different Medicare supplement plans. You’ll see them designated as letters: A through D, F, G, and K through N.

Each of these different plans is standardized, meaning the same set of basic benefits needs to be offered for each Plan.

For Example...

The standerized Plan G policy offered by Aetna must include the same basic benefits as a Plan G policy offered by Mutual of Omaha.

Medicare Supplement Plans

Plan F, G, N
Most Popular and What they cover.

Plan

F

100%  coverage with Plan F* & Original Medicare Part A&B

Plan F
 covers
Medicare Part A coinsurance, deductible and hospital costs.
Medicare Part B coinsurance or copayments,
First three pints of blood
Skilled nursing facility coinsurance
Medicare Part A hospice care coinsurance or copays Medicare Part B deductible Medicare Part B excess charges.
Foreign travel exchange of up to 80 percent.

The guidelines for who can enroll in Plan F have changed in 2020. People who are new to Medicare from Jan. 1, 2020, and onward will not be able to buy Plan F. If you already had Plan F before Jan. 1, 2020, you’ll be able to retain it. If you were eligible for Medicare before Jan. 1, 2020, but delayed Medicare enrollment, you may still have the option to buy Plan F when you do choose to enroll.

Plan

G

100% 
except $203 Part B deductible Plan G  with Original Medicare Part A&B.

  Plan G
covers

Medicare Part A coinsurance, deductible and hospital costs. Medicare Part B coinsurance or copays
First 3 pints of blood.
Skilled nursing care facility coinsurance.
Medicare Part A hospice care coinsurance or copays. Medicare Part B excess charge (if a doctor charges more than the Medicare-approved amount, this plan will cover the difference).
Foreign travel exchange of up to 80 percent.

Plan G does not cover: Part B deductible for doctor visits $203 a year

Plan

N

100%
except $203 Part B deductible. and Part B excess charges.  Plan N with Original Medicare Part A&B.

Plan N 
covers
Medicare Part A coinsurance, deductible & hospital costs.
Medicare Part B coinsurance or copayments.
First three pints of blood.
Skilled nursing facility coinsurance
Medicare Part A hospice care coinsurance or copays. Foreign travel exchange of up to 80 percent.

Plan N does not cover Part B deductible  $203 & Part B excess charges,
Dr. visit copays up to $20 and emergency room visit copays of $50

Mutual of Omaha has been in business since 1909. They are an A+ rated, financially stable company.

Do you know?

Mutual of Omaha has offered Medicare Supplement Plans since Medicare was signed into law in 1965.