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          This product is underwritten by Medico® Insurance Company, a Wellabe company.

Medicare Supplement insurance

Our Medicare Supplement insurance plans are an extension of our promise to help you prepare for tomorrow so you can live better today. Medicare Supplement insurance, a.k.a., Medigap, is supplemental health insurance meant to fill gaps between what’s paid by original Medicare and the overall cost of health care treatments. It also helps with charges like copays, deductibles, and coinsurance.

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If you’re 65 years old and enrolled in Medicare Parts A and B, you can apply for Medicare Supplement insurance. Even though Medicare beneficiaries can enroll in a Medicare Supplement plan at any time of the year,1 the best time to do so is during an open enrollment period that occurs within 6 months of your 65th birthday. That is when you can apply for a Medicare Supplement policy without having to answer health questions and can lock in the best rate.

Medicare Supplement insurance: A better value

When you purchase one of our Medicare Supplement insurance plans, you’re getting a competitive premium with:

  • Preferred rates for eligible non-tobacco users
  • Savings when you opt for automatic bank withdrawals from your checking or savings account
  • A premium rate discount if you live with another person who is age 50 or older, even if they don’t have coverage with us
  • Foreign travel emergency health care coverage when you travel outside the United States

Plans created to meet your needs

In addition to lowering out-of-pocket costs, our Medicare Supplement insurance plan offers benefits that can be flexible and work for your specific situation.

  • Plan choices: Choose from competitive solutions that best fit your needs and budget.
  • Guaranteed renewable: Your coverage will never be canceled, even if your health changes.2
  • No pre-existing condition waiting period: Prior medical conditions are covered as soon as your policy is effective.
  • Freedom to choose: You can select any doctor or hospital that accepts Medicare, so you don’t need to worry about finding network providers or getting referrals to see specialists. 
  • 30-day right to return: If you cancel your policy within 30 days, we will refund any premium paid minus any claims paid.

Understanding your options

A Wellabe agent can help you select a Medicare Supplement insurance plan that fits your needs and budget. We offer Plans A, F, High-deductible F, G, High-deductible G, and N.

    Plan benefits

   Plan A   Plan G
   HD Plan G3
   Plan N
   Plan F4
   HD Plan F3,4
Part A deductible

Part A hospital coinsurance and hospital costs

Part A and B: 3 pints of blood

Hospice Part A copayment or coinsurance

Skilled nursing facility copayment

Part B deductible

Part B copayment or coinsurance


Part B excess charges

Foreign travel emergency6 



Just like other health care coverage decisions, the answer to, “Do I need supplemental insurance with Medicare?” is a personal one, and Wellabe is here to walk alongside you as you make the best decision for yourself and your family. With Original Medicare Part A and Part B comes deductibles and copays. If you do not want to worry about those out-of-pocket costs, you may want to consider adding a Medicare Supplement policy to cover those expenses.

Medicare Advantage, sometimes called “Part C,” is provided by private insurance companies. If you're enrolled in a Medicare Advantage plan, you’re technically still in the overall “Medicare” system, but your Medicare benefits come from the Medicare Advantage insurance provider rather than the federal government program. They tend to have more restrictive provider networks that you must stay within to avoid extra out-of-pocket expenses.

Medicare Supplement insurance is a supplemental health insurance designed to cover the remaining costs, like deductibles and copays, generated from Original Medicare Part A and Part B. The provider network generally includes Medicare-approved providers and allows for foreign travel emergency health care coverage when you travel outside the United States.

You cannot use a Medicare Supplement policy and Medicare Advantage plan at the same time.

Medicare Supplement plans come in A, B, C, D, F, G, K, L, M, and N, with varying amounts of costs and coverage, depending on the deductible level and specific plan. The biggest difference between plans is the cost. All Medicare Supplement plans offered by private insurance companies are required to follow federal and state laws that are designed to protect you.

According to the U.S. Centers for Medicare and Medicaid Services, it takes four steps to choose a Medicare Supplement insurance plan:

  1. Decide which benefits you want; then decide which of the Medicare Supplement plans A–N meet your needs.
  2. Find out which insurance companies sell Medicare Supplement policies in your state.
  3. Learn about the insurance companies that sell the policies you’re interested in and compare costs.
  4. Buy the Medicare Supplement policy.

Any time, but the best window to choose your Medicare Supplement plan is during the 6-month open enrollment period. This begins on the first day of the month you turn 65, or when you enroll in Medicare Part B. For that day and the following 6 months, you can sign up for any of the 12 standard plans without the need for medical underwriting and at the regular rate. You cannot be charged more for coverage if you have a pre-existing health condition. If you want to choose or change your plan outside of that timeframe for whatever reason, you can do so; it just may require medical underwriting, have higher premiums, and acceptance is not guaranteed.

Medicare Supplement insurance coverage can be denied, depending on pre-existing conditions and other considerations, if you apply outside of the 6-month window. If you’re not in your open enrollment period or are not eligible for guaranteed issue, you will have to answer some health questions in order to qualify.

When you become a Wellabe policyholder, you’ll have access to resources that make it easy to make the most of your plan, including our mobile app, customer portal, and Customer Success team via email or phone. Visit the Customer resources page to learn more.

Request a free quote

Call 866-739-8143 or click the button below to have an agent contact you to develop a personalized free quote for any of our insurance plans.

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