• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Facebook
  • Instagram
  • Twitter
  • YouTube
DONATE

  • Home
  • Programs & Services Programs & Services
    Overview
    Home & Community-based Care Options
    • Elderly Services Program
    • AddnAide
    • PASSPORT
    • Assisted Living Waiver
    • MyCare Ohio
    • Specialized Recovery Services Program
    Transitional Care
    • FastTrack Home
    Duke Energy Bill Credit Program
    Hamilton County Senior Utility and Home Repair Assistance Program
    Aging and Disability Resource Center
    Caregiver Support Program
    • EVRTalk virtual reality caregiver training
    • Working Caregivers
    Health & Wellness Programs
    • Connecting the Dots
    • Senior Farmers’ Market Nutrition Program
    Nursing Home Pre-Admission Review
    Other Services
  • Find Resources Find Resources
    Search for Resources
    Document Library
    • Annual Reports
  • Service Providers Service Providers
    Overview
    COVID-19 Vaccine Information for Providers
    PASSPORT & Assisted Living
    • Prospective Provider Information
    • Current PASSPORT Provider Information
    Elderly Services Program
    • ESP Requests for Proposals
    • Current ESP Provider Information
    • Clinton County Senior Services Grant
    Title III, Senior Community Services & Alzheimer State Funds
    • Title III Requests for Proposals
    • Information for Current Title III Providers
    Care Management & Billing
  • About About
    Overview
    Working at COA
    • Open Positions
    • Employee Thoughts
    Senior Leadership Team
    • Board & Advisory Councils
    Advocacy
    Funding
    • Tax Levies
    How to Help
    • Donate
    • Volunteers Needed
  • News & Events News & Events
    Overview
    Coronavirus and Vaccine Information
    News
    Newsletters
    • Join our Mailing List
    Events
    • Forum on Aging
    Public Meetings
  • Contact Contact
    Overview
    Make a Referral
    Contact Form
    Service Excellence Awards
    Communication & Media
    Outreach Bureau
    Title VI
  • Home
  • Programs & Services Programs & Services
    Overview
    Home & Community-based Care Options
    • Elderly Services Program
    • AddnAide
    • PASSPORT
    • Assisted Living Waiver
    • MyCare Ohio
    • Specialized Recovery Services Program
    Transitional Care
    • FastTrack Home
    Duke Energy Bill Credit Program
    Hamilton County Senior Utility and Home Repair Assistance Program
    Aging and Disability Resource Center
    Caregiver Support Program
    • EVRTalk virtual reality caregiver training
    • Working Caregivers
    Health & Wellness Programs
    • Connecting the Dots
    • Senior Farmers’ Market Nutrition Program
    Nursing Home Pre-Admission Review
    Other Services
  • Find Resources Find Resources
    Search for Resources
    Document Library
    • Annual Reports
  • Service Providers Service Providers
    Overview
    COVID-19 Vaccine Information for Providers
    PASSPORT & Assisted Living
    • Prospective Provider Information
    • Current PASSPORT Provider Information
    Elderly Services Program
    • ESP Requests for Proposals
    • Current ESP Provider Information
    • Clinton County Senior Services Grant
    Title III, Senior Community Services & Alzheimer State Funds
    • Title III Requests for Proposals
    • Information for Current Title III Providers
    Care Management & Billing
  • About About
    Overview
    Working at COA
    • Open Positions
    • Employee Thoughts
    Senior Leadership Team
    • Board & Advisory Councils
    Advocacy
    Funding
    • Tax Levies
    How to Help
    • Donate
    • Volunteers Needed
  • News & Events News & Events
    Overview
    Coronavirus and Vaccine Information
    News
    Newsletters
    • Join our Mailing List
    Events
    • Forum on Aging
    Public Meetings
  • Contact Contact
    Overview
    Make a Referral
    Contact Form
    Service Excellence Awards
    Communication & Media
    Outreach Bureau
    Title VI
  • Facebook
  • Instagram
  • Twitter
  • YouTube
DONATE
(513) 721-1025
  • Home
  • Programs & Services Programs & Services
    Overview
    Home & Community-based Care Options
    • Elderly Services Program
    • AddnAide
    • PASSPORT
    • Assisted Living Waiver
    • MyCare Ohio
    • Specialized Recovery Services Program
    Transitional Care
    • FastTrack Home
    Duke Energy Bill Credit Program
    Hamilton County Senior Utility and Home Repair Assistance Program
    Aging and Disability Resource Center
    Caregiver Support Program
    • EVRTalk virtual reality caregiver training
    • Working Caregivers
    Health & Wellness Programs
    • Connecting the Dots
    • Senior Farmers’ Market Nutrition Program
    Nursing Home Pre-Admission Review
    Other Services
  • Find Resources Find Resources
    Search for Resources
    Document Library
    • Annual Reports
  • Service Providers Service Providers
    Overview
    COVID-19 Vaccine Information for Providers
    PASSPORT & Assisted Living
    • Prospective Provider Information
    • Current PASSPORT Provider Information
    Elderly Services Program
    • ESP Requests for Proposals
    • Current ESP Provider Information
    • Clinton County Senior Services Grant
    Title III, Senior Community Services & Alzheimer State Funds
    • Title III Requests for Proposals
    • Information for Current Title III Providers
    Care Management & Billing
  • About About
    Overview
    Working at COA
    • Open Positions
    • Employee Thoughts
    Senior Leadership Team
    • Board & Advisory Councils
    Advocacy
    Funding
    • Tax Levies
    How to Help
    • Donate
    • Volunteers Needed
  • News & Events News & Events
    Overview
    Coronavirus and Vaccine Information
    News
    Newsletters
    • Join our Mailing List
    Events
    • Forum on Aging
    Public Meetings
  • Contact Contact
    Overview
    Make a Referral
    Contact Form
    Service Excellence Awards
    Communication & Media
    Outreach Bureau
    Title VI
DONATE
(513) 721-1025
Thanks for visiting, but before you go...

Sign up for our newsletter to stay up-to-date on what’s happening at COA and in the fields of aging and disability services:

Sign Up
  • Home
  • Programs & Services
    • Overview
    • Home & Community-based Care Options
      • Elderly Services Program
      • AddnAide
      • PASSPORT
      • Assisted Living Waiver
      • MyCare Ohio
      • Specialized Recovery Services Program
    • Transitional Care
      • FastTrack Home
    • Duke Energy Bill Credit Program
    • Hamilton County Senior Utility and Home Repair Assistance Program
    • Aging and Disability Resource Center
    • Caregiver Support Program
      • EVRTalk virtual reality caregiver training
      • Working Caregivers
    • Health & Wellness Programs
      • Connecting the Dots
      • Senior Farmers’ Market Nutrition Program
    • Nursing Home Pre-Admission Review
    • Other Services
  • Find Resources
    • Search for Resources
    • Document Library
      • Annual Reports
  • Service Providers
    • Overview
    • COVID-19 Vaccine Information for Providers
    • PASSPORT & Assisted Living
      • Prospective Provider Information
      • Current PASSPORT Provider Information
    • Elderly Services Program
      • ESP Requests for Proposals
      • Current ESP Provider Information
      • Clinton County Senior Services Grant
    • Title III, Senior Community Services & Alzheimer State Funds
      • Title III Requests for Proposals
      • Information for Current Title III Providers
    • Care Management & Billing
  • About
    • Overview
    • Working at COA
      • Open Positions
      • Employee Thoughts
    • Senior Leadership Team
      • Board & Advisory Councils
    • Advocacy
    • Funding
      • Tax Levies
    • How to Help
      • Donate
      • Volunteers Needed
  • News & Events
    • Overview
    • Coronavirus and Vaccine Information
    • News
    • Newsletters
      • Join our Mailing List
    • Events
      • Forum on Aging
    • Public Meetings
  • Contact
    • Overview
    • Make a Referral
    • Contact Form
    • Service Excellence Awards
    • Communication & Media
    • Outreach Bureau
    • Title VI
Home > Resource Categories > Lesson 09: Supplemental Insurance (Medigap)

Lesson 09: Supplemental Insurance (Medigap)

January 22, 2022

Medicare Supplemental Insurance, also known as "MedSup" or "Medigap," is private insurance, not sold by the Government. It is designed to fill the holes in Medicare coverage.

Medigap is defined by State and Federal law and is regulated by each state`s insurance department. Many companies sell Medigap policies and the policies were standardized in 1992, meaning that the benefits in each Plan A-N are the same, no matter what company sells the insurance.

  • Ten Standardized plans (A-N): Medicare pays primary and Supplemental plan pays all or most of remaining costs
  • No network of providers or facilities
  • Open Enrollment Period: Six months from Part B effective date for those over 65 years of age
  • Guaranteed issue situation: Right to purchase supplemental policy without medical underwriting

Every company that sells Medigap must offer Plan A. All of the other standard plans must include Plan A`s basic benefits.

  • Hospitalization: Part A co-insurance plus coverage for 365 additional days after Medicare benefits end.
  • Medical Expenses: Part B co-insurance (20% of all Medicare-approved expenses).
  • Blood: First three (3) pints of blood each year.

Note: If you join a Medicare Advantage Plan, you don`t need a Medigap policy. If you already have a Medigap policy, you can`t use it to pay for out-of-pocket costs you have under the Medicare Advantage Plan. If you already have a Medicare Advantage Plan, you can`t be sold a Medigap policy.

Click here to use Medicare`s search tool to find a Medigap plan offered in your area. 

Click here to read Medicare`s guide to Compare Medigap policy. 
 


Medigap Open Enrollment

When is the best time to buy a Medigap policy?
The best time to buy a Medigap policy is during your Medigap open enrollment period. This period lasts for six months and begins on the first day of the month in which you are both age 65 and enrolled in Medicare Part B.

Open Enrollment means:

  • An applicant must be at least 65 years old to take advantage of the open enrollment period.
  • Enrollment begins the first day of the month in which he/she is both 65 and enrolled in Medicare Part B (usually the day that coverage takes effect). It ends six months later.
  • For those who continue to work past 65 and delay enrolling in Part B, Open Enrollment begins on the day that Part B coverage begins and ends 8 months later.

During Open Enrollment, a company must accept all applications for any Medigap policy it sells. There can be no discrimination on the basis of age or health. Additionally, the sick and the healthy pay the same price, as do smokers and non-smokers. However, an insurance company may impose a six-month pre-existing condition waiting period.

A pre-existing condition waiting period is the time that must pass after becoming insured before the policy will begin to pay benefits for a pre-existing condition or specified illness. Pre-existing conditions are those for which treatment or advice was given during the six months prior to purchasing the policy.

The exception to the pre-existing condition waiting period comes when an applicant has creditable coverage, such as an employer group health plan, leaves the employer group health plan, and then applies for an individual Medigap policy within 63 days of leaving. This exception only applies during the individual`s Open Enrollment period.

Primary Sidebar

  • Terms of Use
  • Links Policy
  • HIPAA
  • Site Map
  • Home52
(513) 721-1025

Copyright © 2023 · Council on Aging of Southwestern Ohio. 4601 Malsbary Road | Blue Ash, OH 45242 | Log in

  • Facebook
  • Instagram
  • Twitter
  • YouTube

  • Terms of Use
  • Links Policy
  • HIPAA
  • Site Map
  • Home52
This website uses cookies and other tracking technologies to assist with navigation, monitor site usage and web traffic, assist with our promotional and marketing efforts, and customize and improve our services and website. For more information about cookies and how we use them please see our Privacy Policy. Accept All
Manage consent

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.
CookieDurationDescription
cookielawinfo-checkbox-analytics11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checkbox-functional11 monthsThe cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checkbox-necessary11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-others11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-performance11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
viewed_cookie_policy11 monthsThe cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.
Functional
Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.
Performance
Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
Analytics
Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.
Advertisement
Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.
Others
Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.
SAVE & ACCEPT
Thanks for visiting, but before you go...

Sign up for our newsletter to stay up-to-date on what’s happening at COA and in the fields of aging and disability services:

Sign Up