• Medicare SELECT
  
  
• Medicare Supplement
  
  

Q.	Why is it appropriate to consider Medicare Supplement insurance?
A.	We know that Medicare is truly one of the finest senior age health programs in the world. We also know that Medicare does not pay all the costs of being sick. Deductibles, coinsurance amounts and excluded expenses can add up to significant out-of-pocket costs.
Q.	When is someone eligible for open enrollment or guarantee issue options?
A.	An open enrollment period begins the first day of the month in which a person's Medicare Part B coverage becomes effective.* The open enrollment period continues for the following six months. Guarantee issue options for certain plans are extended to those individuals who lose coverage from employer sponsored medical benefits or Medicare HMO's. This guarantee is available for a set period of time established by the Centers for Medicare and Medicaid Services. For Texas Residents: Open enrollment is the 6 month period beginning on the first day of the month in which you are enrolled in Medicare Part B. If you are on Medicare under age 65, you will also have a 6 month open enrollment period when you reach age 65. For Florida Residents: An open enrollment period begins 3 months prior to age 65 and continues for 3 months after the first day of the first month in which you are 65 years of age or older and are enrolled under Medicare Part B.

Medicare SELECT

Q.	When is it appropriate to consider Medicare SELECT insurance?
A.	If an individual is interested in reducing insurance premiums below the cost of many traditional Medicare plans, and is willing to use a network hospital¹, then a Medicare SELECT policy may be right for them.

¹

Only certain hospitals are network providers under this policy. Check with your physician to determine if he or she has admitting privileges at the network hospital. If he or she does not, you may be required to use another physician at time of hospitalization or you will be required to pay for all expenses.

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