Medigap Plan B builds on Plan A by adding the Medicare Part A deductible—learn what it covers, what you'll still pay, and how enrollment works.
Medigap Plan B helps close the medical and hospital cost gaps that Original Medicare leaves behind. Quottes will go into more detail about Plan B so you can decide whether this policy is a good match for you.
On top of everything Plan A includes, Plan B also covers the Medicare Part A deductible. Don't confuse Plan B with Part B, which is your medical insurance under Original Medicare.
Medigap Plan B delivers slightly stronger coverage for hospital and medical costs than Plan A. Because the benefits are standardized, a Plan B policy from one company offers identical coverage to a Plan B from any other company. The only thing that changes is the price, which we'll get into below. That's exactly why it pays to work with an agent who knows Medigap Insurance, like Quottes. Why pay more when you could pay less for the very same coverage?
Plan B covers:
Plan B members must pay their own Medicare Part B deductibles, plus the Part B excess charges, skilled nursing facility care coinsurance, and any foreign travel emergency care costs. If that feels like a lot to shoulder, consider a fuller plan such as F, G, or N that covers more—or all—of these services.
Buying a Medigap policy comes with certain eligibility rules:
If Medigap Plan B interests you, your first chance to enroll is during Medigap Initial Enrollment—a six-month period that begins when you turn 65 and sign up for Medicare Part B. Miss this window, and you may not be able to get the plan you want, or it could cost more.
Every Medigap policy carries a monthly premium, and the exact amount can vary from plan to plan. Insurers can price their premiums in one of three ways:
If you're considering a Medigap plan, compare several policies offered near you. That helps you understand how premiums are set and gives you a sense of what you'll pay for the policy.
We are Quottes, an independent agency serving families nationwide. Medicare Supplement Insurance is what we do best.
Our knowledgeable agents are here to answer any questions and steer you in the right direction. Our aim is to help you make a well-informed decision about your health insurance and supplement or assistance options. With access to the top companies in your area, we make comparing plan rates simple, and we'll track down the best coverage at the best price for you. Why wait? Call 941-894-6460 today.
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