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Medicare Supplement insurance plans are offered by private insurance companies and may help you pay for out-of-pocket costs for services covered under Original Medicare (Part A and Part B).
Both your Medicare Part B and Medicare Supplement insurance plan usually require a monthly premium payment, but Medicare Part A usually does not. Most people get premium-free Medicare Part A by paying Medicare taxes while working for at least 10 years. (If you have to pay for Part A, you’ll pay up to $437 each month in 2019.)
The standard Medicare Part B premium is $135.50 in 2019 (you can read more about the Part B premium here).
Medicare Supplement insurance plans also charge a monthly premium. The amount can vary widely depending on several factors, including which plan you choose and what extent of coverage it offers, which age-related pricing method the plan uses, and whether you were subjected to medical underwriting or not. Since Medicare Part B premiums are paid to the government and Medicare Supplement insurance premiums are paid to the private insurer, the payments cannot be made together. You can’t pay your Medicare Supplement insurance premium through Medicare Easy Pay. Your private health insurer will let you know your payment options for your particular Medicare Supplement insurance plan costs.
Some plans may offer discounts depending on how you pay — for example, if you pay up front once a year, or if you pay using electronic funds transfer. With an electronic funds transfer, you can set up a monthly payment to debit automatically from a checking account or credit/debit card. Different plans may have different payment options.
Several factors can influence your Medicare Supplement insurance plan costs.
To avoid medical underwriting, you may want to buy a Medicare Supplement insurance plans during your Medicare Supplement Open Enrollment Period, when you have a guaranteed-issue right to acceptance in the plan. The Open Enrollment period is a 6-month window after you’re both 65 or older and enrolled in Medicare Part B. Some states have additional Open Enrollment periods including those for people under age 65.
You also might have guaranteed-issue rights to acceptance in a Medicare Supplement insurance plan when your health coverage changes in some way, such as your Medicare Supplement insurance company goes bankrupt or before the end of a year-long “trial right” to a Medicare Advantage plan.
Once you’ve decided on a Medicare Supplement insurance plan, be sure to pay the premiums on time, as the plan can drop you for non-payment.
The product and service descriptions, if any, provided on these eHealth Insurance Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.
This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.