*WEBSITE DISCLAIMER*
1. Medicare has neither endorsed nor reviewed this information.
2. Our site is Not connected or affiliated with any United States Government or State agency.
3. Calling our office and agents number will direct you to a licensed Agent/Broker.
This is a solicitation for insurance.
Things to know about Medigap policies.
You must have Medicare Part A and Part B.
If you have a Medicare Advantage Plan, you canapply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.
You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.
Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
Some Medigap policies sold in the past cover prescription drugs, but Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
It's illegal for anyone to sell you a Medigap policy if you have aMedicare Medical Savings Account (MSA) Plan.
What's Medicare Supplement Insurance (Medigap)?
A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
Medigap policies don't cover everything.
Medigap policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.
Insurance plans that aren't Medigap
Some types of insurance aren't Medigap plans, they include:
Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)
Medicare Prescription Drug Plans
Medicaid
Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)
TRICARE
Veterans' benefits
Long-term care insurance policies
Indian Health Service, Tribal, and Urban Indian Health plans
Supplement Plans (Medigap Plans)
OUR LOCATION
6501 North W Street
Pensacola, Florida 32505
Office Hours:
Monday 9:00am-4:00pm
Tuesday 9:00am-4:00pm
Wednesday 9:00am-4:00pm
Thursday 9:00am-4:00pm
Friday 9:00am-4:00pm
6501 North W Street
Pensacola, Florida 32505
Senior Agent: TIMOTHY LAPLANT
Agency Office: 850-503-3226