Medicare Information

Medicare is a federal health insurance program for people 65 or older, some people under 65 with disabilities, and people with end-stage renal disease or Lou Gehrig’s disease. If you are on Medicare, it will pay for much – but not all – of your health care.

Medicare supplement insurance can help fill in some of the gaps that Medicare won’t pay. There are 12 standardized Medicare supplement insurance plans, labeled A through L. Each plan offers a different combination of benefits. Plans F, J, K, and L offer a high-deductible option.

Not everyone needs a Medicare supplement policy. If you have certain other types of health coverage, the gaps in your Medicare coverage may already be covered. You probably don’t need Medicare supplement insurance if

• You have group health insurance through an employer or former employer, including government or military retiree plans
• You joined a Medicare Advantage plan
• Medicaid or the Qualified Medicare Beneficiary (QMB) Program pays your Medicare premiums and other out-of-pocket costs. QMB is one of several Medicare Savings Programs that help pay premiums, deductibles, and coinsurance.

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