Manage your out-of-pocket costs with Medicare Supplement insurance.
What is Medicare Supplement insurance?
Medicare Supplement insurance, also known as Med Supp or Medigap, was created by the federal government and is regulated by state Insurance Departments. It is offered by private insurance companies to cover some of the out-of-pocket costs not covered by Original Medicare (Parts A and B).
Get a Medicare Supplement plan that allows you to choose any doctor who accepts Medicare.+
Our licensed agents can help you pick a plan based on your needs.
Why do I need a Medicare Supplement insurance policy?
Medicare Supplement insurance policies are purchased to help provide insurance coverage in addition to Medicare Part A (Hospital Services) and Part B (Medical Services). Original Medicare (Parts A and B) covers some of the healthcare costs, but not all.
After Medicare, United American’s MC4810 pays:
- First 3 pints of blood
- Part A Hospital Coinsurance (61st through 90th day and 60‑day lifetime reserve)
- Hospital coverage after Medicare days are exhausted
- Home Healthcare – Usual and Customary Charges^ for medically necessary home healthcare visits not covered by Medicare. Maximum of 40 visits in any 12-month period
- Part B Medical Coinsurance – Medicare coinsurance for medical and hospital expense
Optional MC4810 Benefits for Additional Coverage
- Part A Deductible Benefit — 100% of Part A deductible
- Part B Deductible Benefit — 100% of annual Part B deductible*
- Part B Excess Charges Benefit
- Additional Home Healthcare Benefit — Usual and Customary Charges^ for up to 365 visits in a 12-month period
- Foreign Travel Emergency — 80% after $250 deductible ($50,000 lifetime maximum)
Optional MC4810 Medicare Part B Copayment Benefit Adjustment for Reduced Premiums
- You pay up to $20 copayment for office visit and up to $50 copayment for emergency room visit
After Medicare, United American’s MC4810HD/MC4810HDG pays:
- First 3 pints of blood
- Part A Hospital Coinsurance (61st through 90th day and 60‑day lifetime reserve)
- Hospital coverage after Medicare days are exhausted
- Skilled Nursing Facility Care (21st through 100th day)
- Home Healthcare – Usual and Customary Charges^ for medically necessary home healthcare visits not covered by Medicare. Maximum of 40 visits in any 12-month period
- Part B Medical Coinsurance – Medicare coinsurance for medical and hospital expense
- Part A Deductible Benefit – 100% of Part A deductible
- Part B Deductible Benefit – 100% of annual Part B deductible*
- Part B Excess Charges Benefit
- Additional Home Healthcare Benefit – Usual and Customary Charges^ for up to 365 visits in a 12-month period
- Foreign Travel Emergency – 80% after $250 deductible ($50,000 lifetime maximum)
^ Usual and Customary Charges mean: The prevailing rates, as determined by the Company, for any service or materials in the geographic area where furnished. This definition shall only apply to the Wisconsin mandated benefits for Chiropractic Treatment, Treatment of Diabetes and Home Care Benefits.
* Only applicants first eligible for Medicare before 2020 may purchase the Part B Deductible Rider. Only available with MC4810HD
Some states require insurers to offer certain Medicare Supplement plans to eligible Medicare beneficiaries who are under age 65 and eligible for Medicare due to disability or End Stage Renal Disease (ESRD). For those specific plans, policy benefits will be identical regardless of age.