Why You Need Medicare Supplement Insurance
What Medicare Doesn’t Cover
Even with Medicare Part A and Part B coverage, you’re responsible for some out-of-pocket expenses including:
- Part A hospital deductible ([medciareparta])
- Part B deductible ($257)
- Copayments for hospital stays over 60 days
- Care in a skilled nursing facility after 20 days
- 20% coinsurance for doctor bills and other medical expenses
By law, Medicare Supplement insurance is standardized into twelve plans (Plans A through L). That means Plan G from one company must include the same benefits as plan G from another company. While the benefits must be the same, each company’s rates, reputation, membership features and quality of service can vary.
Aetna
BlueCross BlueShield of Illinois
Mutual of Omaha
Mutual of Omaha Medicare Supplement Plans are highly popular in Illinois and usually have the lowest rates. They take an attained-age rating approach to pricing their Medicare supplements and have lower rates for non-tobacco users.
Humana
Find a Humana Medicare Advantage plan in 3 simple steps. Enter your ZIP code, compare plans, call to speak with a licensed sales agent
United Healthcare
AARP Medicare Advantage plans by UnitedHealthcare offer coverage beyond Original Medicare like $0 copays and prescription, vision and dental benefits.
