Medicare supplement insurance(also known as Medigap) should be a part of every insurance agent's portfolio of products.   In an increasingly competitive marketplace, the companies that succeed are ultimately the companies who are able to attract and retain their customers.   Our philosphy is "One Stop Financial Services", which means we are committed to taking care of our customer's complete financial needs, from auto insurance to medical insurance, to senior products such as Medicare Supplement plans.

 In general terms, when a person reaches age 65, he or she can sign up for Medicare.   There is a 6 month window around the 65th birthday during which the underwriting and screening requirements for the supplement polices are greatly reduced, making these almost guaranteed issue.  

 In the simplest of terms, medicare supplement policies cover the gaps in standard Medicare plans.   In many cases, the supplement policy can be an extremely important component of a senior citizen's financial planning, because the policy has the ability to protect against incurring large medical bills that basic Medicare won't cover.   There are a number of different supplement policies, but plans F, J, K, and L are polular choices.  Below is a summary of the plans to help you better understand what they cover and how they are different from each other.    These summaries were taken from a brochure provided by American Republic Insurance, which is the primary company that I write individual medical plans and Medicare Supplement plans through.  

 As you can see, there are a lot of factors to consider when choosing a supplement policy, but it is our job to listen to our customers and provide them with the best guidance backed by the best financial products.