Medicare Supplement Plans
Designed to cover the 20% of medical expenses Medicare coverage doesn’t - which is why these are also called Medigap plans.
These products are currently sold in Arizona and Utah.
Medigap Basics
Medigap policies are standardized Medicare supplement insurance plans. They help you pay some of the healthcare costs that Original Medicare doesn’t cover, such as deductibles and coinsurance. When you purchase Medigap insurance, you don’t replace or cancel your Medicare Parts A and B. You still have all of your Medicare rights and protections, plus a more complete healthcare package.
Medigap Plans
Since Medigap plans are standardized, the benefits are the same no matter which insurance company you choose.
In other words, a Plan G from one company has the same medical coverage as a Plan G from any other company.
The difference is the company itself - the quality of service and the price.
Currently, we only offer Plan F and Plan G.
Medicare Supplement Insurance (Medigap) Plans
| Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Medicare Part B coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100%*** |
| Blood (first 3 pints) | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A hospice care coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled nursing facility care coinsurance | - | - | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A deductible | - | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 50% | 100% |
| Part B deductible | - | - | 100% | - | 100% | - | - | - | - | - |
| Part B excess charges | - | - | - | - | 100% | 100% | - | - | - | - |
| Foreign travel emergency (up to plan limits) | - | - | 80% | 80% | 80% | 80% | - | - | 80% | 80% |
| Out-of-pocket maximum | ||||||||||
| PLAN F BENEFIT TABLE PLAN G BENEFIT TABLE | $5,880 | $2,940 | ||||||||
Medigap Eligibility
When can you apply? You may apply for a Medigap plan if you are a resident of Utah or Arizona, age 65 or older, and enrolled in Medicare Parts A and B.
Open Enrollment
If you are applying for coverage to start within the six-month period immediately following your enrollment in Medicare Part B and you are age 65 or older, this is your Open Enrollment period.
During this period, you cannot be denied a Medigap policy or be charged more due to past or present health conditions.
Guaranteed Issue
If you have lost, or are losing, other health insurance coverage you may apply for Guaranteed Issue. You will be required to provide proof that you have lost coverage within the last 63 days.
If you qualify for Guaranteed Issue, you cannot be denied a Medigap policy or be charged more due to past or present health conditions.
Other Enrollment
If you do not qualify for Open Enrollment or Guaranteed Issue, your application is subject to medical underwriting to determine whether it will be approved and, if so, at what rate.
Download the 2024 EMI Health Senior Plans booklet
In one easy to read booklet, you can get all the benefit details and monthly rates organized by plan.
We even put the applications right in the booklet to make it simple for you to keep track of it all in one place.
Other Medicare resources
If you have questions about Medicare and comparing coverage options, here some resources to help you get the answers you need.
Connect with an expert
Our partners at Senior Benefits Insurance Services (SBIS) are well-versed in our senior plans and Medicare plans. They are a great resource for you to reach out to with all your questions on Medicare, Social Security, and adding EMI Health plans to supplement your coverage.
You can schedule a meeting with a SBIS expert at www.srbenco.com/schedule-meeting or call at 801-523-6081.
Medicare & You Booklet
Each year, the government puts out a comprehensive Medicare resource called Medicare & You.
Download your own copy for in-depth information on Medicare and how it impacts you.