Medicare Supplement Insurance.

Although Medicare Part A & Part B pays for a portion of your healthcare costs; there are limits to the coverage with deductibles, copays, and coinsurance. Not all medical services are covered. Medicare Supplemental plans (sometimes referred to as Medigap) fill in the gaps where Medicare alone does not cover.
We can answer your questions about out-of-pocket costs and Medicare Supplement premiums and ensure you are fully protected.

Filling the Gaps in Your Coverage. Popular eatures Medicare Supplement.

Any Doctor...Any Hospital... That means, more choices in doctor and hospital providers. Any Nursing Facility...Any Home Health Agency, as long as they accept original Medicare. Private companies sell Medicare Supplement plans. There are 10 different Medicare supplement plans. You’ll see them designated as letters: A through D, F, G, and K through N.

Each of these different plans is standardized, meaning the same set of basic benefits needs to be offered for each Plan. For example, a Plan F policy offered by Aetna must include the same basic benefits as a Plan F policy offered by Mutual of Omaha.

The Most Popular ~Medicare Supplement Plans.

100% fill in the Gap cpverage
Plan F*
~With Original Medicare Part A&B.                         
Plan F covers:           

Medicare Part A coinsurance, deductible
 and hospital costs.  
Medicare Part B coinsurance or copayments.
first three pints of blood
Skilled nursing facility coinsurance
Medicare Part A hospice care coinsurance or copays
Medicare Part B coinsurance or copays
Medicare Part A hospice care coinsurance or copays. 
Medicare Part B deductible
Medicare Part B excess charges.
*The guidelines for who can enroll in Plan F have changed in 2020. People who are new to Medicare from Jan. 1, 2020, and onward will not be able to buy Plan F.  If you already had Plan F before Jan. 1, 2020, you’ll be able to retain it.  If you were eligible for Medicare before Jan. 1, 2020, but delayed Medicare enrollment, you may still have the option to buy Plan F when you do choose to enroll.
100% except $198 Part B Deductible
Plan G
~With Original Medicare Part A&B.                         
Plan G covers:

Medicare Part A coinsurance, deductible and hospital costs.
Medicare Part B coinsurance or copays
first 3 pints of blood.
Skilled nursing care facility coinsurance.
Medicare Part A hospice care coinsurance or copays. 
Medicare Part B excess charge 
(if a doctor charges more than the Medicare-approved amount, this plan will cover the difference).
foreign travel exchange of up to 80 percent.  




Plan G does not cover:
Part B deductible for doctor visits $198 a year

100% except Part B deductible & Part b excess charges
Plan N
~With Original Medicare Part A&B.                         Plan N covers:
Medicare Part A coinsurance, deductible
 & hospital costs.  
Medicare Part B coinsurance or copayments.
first three pints of blood
Skilled nursing facility coinsurance
Medicare Part A hospice care coinsurance or copays.  
PLAN N DOES NOT COVER PART B DEDUCTIBLE $198 & PART B EXCESS CHARGES
Now that you have the plan descriiption Call for a free quote based on your age and on the specific plan in your local area.

Contact Alyssa Macaluso - Medicare & Health Insurance Independent Agent when you are ready to sign up for a Medicare Supplement plan that fill the gaps in coverage and allows you to benefit from services not covered by Medicare alone.

Insurance Protection More Benefits.

 Medicare Supplement plans are recognized wherever Original Medicare is accepted. The insurance plans allow you to choose your own doctor or specialist (who accepts Medicare patients) without network restrictions.
Other services not normally in a supplement medicare plan.

Dental

Whether you need a dental checkup and regular dental cleaning or major dental surgery, crowns and fillings are often necessary especially  as we age.  It's important to keep up with you dental hygiene for your overall health and it should not be overlooked. Many Medicare health plans have dental included or many of the insurance carriers have a stand alone dental insurance plan.

Vision
Vision often is included with dental plans, If you find that your eyesight is not what it used to be, then being able to see an ophthalmologist or optometrist is necessary to keep your best quality of life.
Prescription Drug- PartD Getting a Part D prescription plan is important in order to keep creditable prescription drug coverage so you will not invoke a penalty.
Stand Alone Dental and Vision, Prescription Drug plans are available in your area. Ask about plan options with your local agent.
We have Access to a Wide Range of Carriers. With access to the best Medicare Supplement providers for those eligible in the Houston area, The Woodlands, & Tomball, TX. Alyssa Macaluso - Medicare & Health Independent Agent works earnestly to find the Medicare Supplement options  to fit with your needs.of your choice, according whether it be the Doctor network, your budget, or quality customer service, we can help you with  top quality insurance carriers and health plans.

Not sure which Medicare plan is right for you? Learn more. (Click Link Button Below)
Our goal is to bring value, protection, and quality service to our clients.