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​​It’s no secret that Medicare, the national health insurance program for U.S. seniors, has limitations.  Medicare recipients are responsible for a portion of their health care expenses.  That is why investigating and understanding your Medicare Supplement Plan options is critical—particularly when turning age 65, planning your retirement, or your primary medical coverage is changing.

What is Medicare Supplement Insurance?

Medicare Supplement Plans help pay the health care expenses Medicare does not pay, like deductibles, copayments and coinsurance.  All Plans are standardized by the federal government and identified by letters A through N.1 Each offers different levels of coverage.  Not every plan is available in every state.

Which plan is right for you?  You can use the link above to Request Information.

Medicare Supplement Plan Features


Choose Your Providers

Use any hospital or doctor that accepts Medicare - no network restrictions.​


Guaranteed Renewable

You cannot be cancelled due to a health condition​.


Freedom to Travel

You are covered anywherin the U.S. and abroad. 2


Medicare Basics

Medicare was created in 1965 to help people age 65 and over with health care expenses. It is also available to some disabled persons under the age of 65 and people with End Stage Renal Disease.  Medicare has four parts:

  • Medicare Part A (Hospital Insurance):  covers inpatient hospital stays, surgery, skilled nursing facility care, nursing home care, hospice care, home health care and lab tests.
  • Medicare Part B (Medical Insurance):  covers doctors services, outpatient care, medical supplies and preventative services.
  • Medicare Part C (Medicare Advantage):  offers an alternative way to receive Medicare and other benefits.3
  • Medicare Part D (Prescription Drug): this optional coverage helps pay for prescription drugs.

You must enroll in Parts A and B during the initial enrollment period that starts three months before your 65th birthday and ends four months after your birthday.  Part A is free, but there is a charge for Part B.  If you are still working past age 65 and have health coverage through your employer, you may delay enrollment in Part B and sign up later during a Special Enrollment Period without paying a late penalty.


To learn more about Medicare, visit www.medicare.gov​.  

When should you enroll in a Medicare Supplement?

You can buy a Medicare Supplement at any time, but the best time to enroll is during your Open Enrollment Period.  This period starts on the first day of the month you turn age 65 (and you’re enrolled in Medicare Part B) and extends for six months.  

During your Open Enrollment Period you are not subject to medical underwriting.  You cannot be rejected by any Medicare Supplement Plan due to a pre-existing medical condition.  If you enroll after this period you may not be able to get coverage, or it may be rated higher.

1Plans E, H, I and J are no longer available.  Plan F will no longer to available to new enrollees after January 1, 2020.  Medicare Supplement plans in Massachusetts, Minnesota and Wisconsin offer their own standardized plans. 

2Medicare Supplement Plans C, D, F, G, M and N provide Foreign Travel Emergency health care coverage.  Pays 80% of billed charges for certain medically necessary emergency expenses outside the U.S. after a $250 deductible.

3The Medicare Advantage Plan is not available through the AICPA Member Insurance Program.  To learn more about Medicare Part C, visit www.medicare.gov. ​​​