Christopher Alesevich
Licensed Medicare BrokerSarasota, FL • Shelton, CT
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Medicare Supplemental Insurance, also known as Medigap, is designed to help cover the "gaps" in Original Medicare (Part A and Part B). These gaps include out-of-pocket costs such as copayments, coinsurance, and deductibles that are not covered by Original Medicare. Medigap policies are offered by private insurance companies and are standardized, meaning each plan of the same letter (e.g., Plan G) offers the same basic benefits regardless of the insurer. This standardization helps beneficiaries compare plans easily.
Medigap plans can cover a range of additional costs that Original Medicare does not, such as excess charges from healthcare providers who do not accept Medicare assignment. Some plans also offer coverage for foreign travel emergency care, which can be particularly beneficial for those who travel outside the United States. The specific benefits covered depend on the chosen Medigap plan, but they all aim to reduce the financial burden of healthcare expenses by covering the remaining costs that beneficiaries would otherwise have to pay out-of-pocket.
Medigap policies are separate from Medicare Advantage Plans (Part C) and are intended to complement Original Medicare, not replace it. Beneficiaries must be enrolled in both Part A and Part B to purchase a Medigap policy. While Medigap does not cover services such as long-term care, vision or dental care, hearing aids, or private-duty nursing, it provides crucial financial protection for those enrolled in Original Medicare, ensuring that unexpected medical expenses do not become a significant financial burden.
Submitting your information allows an agent to reach out to you with more details about the costs and coverage options of health plans. ChristopherAlesevich.com is not linked, endorsed, or authorized by the Center for Medicare and Medicaid Services or any government body. This non-governmental site provides basic information about Medicare, Medicare-related services, private Medicare, Medigap, and services for Medicare beneficiaries. For comprehensive details about the Government Medicare program, please visit the Official US Government Site: www.medicare.gov. We do not offer every plan available in your area. Our information is limited to the plans we offer in your location. For a full list of your options, please contact Medicare.gov or 1-800-MEDICARE.
Plans are provided by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the renewal of the plan’s contract with Medicare.
This is an insurance solicitation. Outside the Medicare Annual Enrollment Period, members can enroll in a plan only if they meet specific criteria. A licensed insurance agent can help determine your eligibility. We are not connected with, nor endorsed by, the U.S. government or the federal Medicare program. Plan availability varies by region and state. Callers will be connected with a licensed insurance agent from a third-party partner of Medicare Phone Support who can provide information about Medicare plan options from one or multiple insurance carriers. This information is not a comprehensive description of benefits. For a complete list of Medicare plans, please contact 1-800-MEDICARE, available 24/7, or visit www.medicare.gov.
The Medicare plans represented are PDP, HMO, PPO, or PFFS plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Enrollment may be restricted to certain times of the year unless you qualify for a special enrollment period or are in your Medicare Initial Enrollment Period. Deductibles, copays, and coinsurance may apply.
For assistance with plan choices, you can always contact 1-800-MEDICARE, or your local State Health Insurance Program (SHIP).
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