Medicare Supplement Insurance Serving Farmingdale, Smithtown, Melville, Huntington, Hauppauge, NY and Surrounding Areas

Covering the Medicare Gap

Medicare is health insurance for senior citizens over the age of 65, or in many cases for individuals who are disabled, or who are living with kidney failure. Medicare is the primary health insurance for people who are on it although Medicare doesn’t provide full coverage. there are many gaps in coverage left by Medicare. that’s why Medicare supplement insurance exist. Also known as Medigap insurance, Medicare supplement insurance covers many of the gaps left by Medicare health insurance.

A Brief Explanation of Medicare

While Medicare pays a large portion of health care expenses, it does not provide full coverage. For example, Medicare only pays 80% for most medical expenses, and Medicare also requires Medicare beneficiaries to pay large co-pays, coinsurance, and deductibles for hospitalization and other expenses.

What Medicare Supplement Does for You

Medicare supplement insurance can cover all the gaps in coverage left by Medicare. this means you’re not left paying various deductibles and other out-of-pocket expenses on your own. All Medicare supplements are designed by Medicare, so the benefits on these policies are the same regardless of the carrier. While the policies are the there is a difference from one Medicare supplement to the next, depending on the insurance provider. That difference is cost.

Providing Cost-saving Options for You

Each private insurer determines the premium they will charge for their Medicare supplement insurance plan in New York. This means you could pay more than necessary, depending on the carrier you choose. Cafaro Insurance Agency takes the hassle out of shopping for the most cost-effective Medicare supplement. As an independent insurance agency, we work with many various insurance carriers, many who provide Medicare supplement insurance. Among these different companies, we can compare cost for the plan that’s right for you.

Contact Us to Sign Up for Your Medicare Supplement Plan

If you’re interested in signing up for a Medicare supplement insurance plan in New York, contact Cafaro Insurance Agency today. There is an open enrollment period known as the Medigap Open Enrollment Period, or OEP, which is a six-month time period that begins on the first day of the month that you are age 65 and enrolled in Medicare Part B. During this time, Medicare beneficiaries enroll in any Medigap plan of their choice without the need to submit their medical background or history, and without being concerned about being denied complete coverage or paying higher rates based on your medical history. Your Cafaro Insurance representative will be happy to provide details concerning the Open Enrollment Period and begin the process of enrolling you in the Medicare Supplement Insurance Plan that’s right for you.

Contact us with questions and to set-up an appointment!