SAMPLE MEDIGAP (MEDICARE SUPPLEMENT INSURANCE) RATES

Turning 65 and Need Help with Medicare?

Medicare is health insurance for people age 65 or older, under 65 with disabilities and people of any age with End-Stage Renal Disease. Medicare alone was never intended to pay for all medical expenses including coinsurance, co-pays and deductibles. A Medigap policy is health insurance sold by private insurance companies to fill the gaps in Original Medicare coverage. Medicare Supplement insurance can help you pay your medical expenses not paid for by Original Medicare.

Overview of Medicare Coverage

There have been many changes to Medicare since it was created in 1965. With these changes it is difficult to keep up with what is covered, enrollment dates and who is covered. Alabama Medicare wants to help you understand Medicare and the options available to you.

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The rates shown below are sample monthly rates current as of 5/23/2011. Actual premiums may vary. These rates also assume you can pass medical underwriting, if required. In this example, rates for smokers are higher.

The cost of your Medigap policy may also depend on whether the insurance company does any of the following:

Offer discounts
- male/female
- smoker/non-smoker
- married/single
- discounts for paying annually
- discounts for paying your premiums using electronic funds transfer
- discounts for multiple policies with the same company
Uses medical underwriting, or applies a different premium when you don't have a guaranteed issue right, or aren't in a Medigap Open Enrollment period.
Sells Medicare SELECT policies that may require you to use certain providers.
Offers a "high-deductible option" for Medigap Plan F. If you buy Medigap Plan F with a high-deductible option, you must pay the first $2,000 (in 2011) of deductibles, copayments, and coinsurance not paid by Medicare before the Medigap policy pays anything.

Sample Monthly Medigap Rates Male

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