MEDICARE SUPPLEMENT BASICS

Medicare is the federal health insurance program for individuals age 65 and older, and certain younger people with disabilities, including End-Stage Renal Disease.

Sometimes referred to as Medigap, Medicare Supplement is an individual health insurance policy sold by private insurance companies. Medicare Supplement insurance may help fill in the gaps and provide the coverage Medicare doesn’t.

ELIGIBILITY

You can purchase a Medicare Supplement insurance policy if you:

• Are age 65 or older or, in some states, under age 65 and disabled or suffering from End-Stage Renal Disease;
• Have Medicare Parts A and B; and
• Are not enrolled in a Medicare Advantage Plan.
• Applicants outside of open enrollment are subject to underwriting.

COVERAGE

Medicare Supplement insurance includes standardized plans, regulated by the government, that are designed to provide additional medical coverage for expenses not covered by Medicare, such as coinsurance, copayments, and deductibles.

*Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,300 in 2019 before your Medicare Supplement plan pays anything.
**Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission.

Source: Medicare.gov. https://www.medicare.gov/supplement-other-insurance/compare-medigap/compare-medigap.html

REASONS TO PURCHASE

*Source: Gallup, Inc., American’s Financial Worries Poll, April 2018. (Based on survey of 1,015 U.S. adults, aged 18 and older). https://news.gallup.com/poll/233642/paying-medical-crises-retirement-lead-financial-fears.aspx.

ADDITIONAL INFORMATION

Click the image below to access the Medicare Supplement Consumer Buyers' Guide.

WHY US?

Long history in the insurance industry

Easy application process

If you live with another adult over age 60, you may qualify for a 10% discount on your premiums*

Excellent customer service

Affordable premiums

*State variations apply. Househould Discount is not available in NJ.

STRENGTH & STABILITY

¹Americo Financial Life and Annuity Insurance Company (AFL) is a member of the Americo Life, Inc. family of companies. The roots of the Americo Life, Inc. family of companies dates back more than 100 years. AFL is solely responsible for its financial condition and contractual obligations.
²A.M. Best rating for Americo Financial Life and Annuity Insurance Company (AFL), www.ambest.com, 2018. AFL has a financial strength rating of A (Excellent, 3rd out of 15 rating categories.) A.M. Best’s rating is assigned after a comprehensive quantitative and qualitative evaluation of a company’s balance sheet strength, operating performance, and business profile. A.M. Best uses a scale of 15 ratings, ranging from “A++” to “F.” Rating refers only to the overall financial status of the Company and is not a recommendation of the specific Policy provisions or practices of the Insurance Company.
³Information is as of year-end 2018 on a consolidated basis for life insurance subsidiaries of Americo Life, Inc., unless otherwise indicated. Information is prepared on the basis of generally accepted accounting principles (GAAP).

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