Medicare Supplements
About This Service
Medicare Supplement Insurance (Medigap)
Medicare Supplement insurance helps fill the "gaps" in Original Medicare coverage, helping you pay for out-of-pocket costs like deductibles, copayments, and coinsurance.
Plan G - The Most Comprehensive Coverage
Plan G is the most popular Medicare Supplement plan, covering:
Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used)
Medicare Part B coinsurance or copayment
First 3 pints of blood
Part A hospice care coinsurance or copayment
Skilled nursing facility care coinsurance
Part A deductible
Part B excess charges
Foreign travel emergency (up to plan limits)
You only pay the annual Part B deductible ($240 in 2024)
Plan N - Budget-Friendly Option
Plan N offers excellent coverage with slightly lower premiums:
Same coverage as Plan G, except:
Does NOT cover Part B excess charges
Small copayments: Up to $20 for office visits, up to $50 for emergency room visits
Important: Shop Around and Save
According to the Medicare and You book, plans with different companies might charge a higher premium for the exact same coverage. There is no difference in coverage for Plan N or Plan G by different carriers - only the cost differs.
This is why it's crucial to compare rates from multiple carriers to find the best price for identical coverage.
*Available in Kentucky only
Dental, Hearing & Vision
About This Service
Comprehensive Coverage for Your Health
Dental, hearing, and vision care are essential to your overall health and quality of life, yet traditional health insurance often provides limited or no coverage for these critical services.
Dental Coverage Benefits
Regular dental care prevents serious health problems and costly procedures:
Coverage for preventive care: cleanings, exams, X-rays
Basic procedures: fillings, extractions, root canals
Major services: crowns, bridges, dentures
Potential savings of $1,000+ annually on dental care
Did you know? Poor dental health is linked to heart disease, diabetes, and stroke.
Vision Coverage Benefits
Protect your eyesight and save on essential vision care:
Annual eye exams to detect vision problems early
Discounts on prescription glasses and contact lenses
Coverage for frames, lenses, and lens upgrades
Early detection of serious conditions like glaucoma, cataracts, and macular degeneration
Hearing Coverage Benefits
Hearing loss affects 1 in 3 adults over 65, but it's often preventable and treatable:
Coverage for hearing exams and evaluations
Discounts on hearing aids (which can cost $1,000-$4,000+ per ear)
Maintenance and battery replacement coverage
Prevent isolation and cognitive decline associated with untreated hearing loss
Why This Coverage Matters
Without insurance, a single dental crown can cost $1,000+, prescription glasses $300-$500, and hearing aids $2,000-$8,000. This coverage ensures you can afford the care you need to maintain your health and quality of life.
Invest in your health today with comprehensive dental, hearing, and vision coverage.
*Available in Kentucky only
