MEDICARE SUPPLEMENTINSURANCE

Understanding Medicare Supplement Insurance in Missouri

Navigating Medicare Supplement Insurance, often called “Medigap,” can be overwhelming, but we’re here to help you make sense of it all. Medicare Supplement plans are designed to cover the gaps left by Original Medicare, including costs like copayments, coinsurance, and deductibles that Medicare doesn’t pay.

Why You Need Medicare Supplement Insurance

Medicare typically covers 80% of approved medical expenses under Part B (medical insurance), leaving you responsible for the remaining 20%. Without a Medicare Supplement plan, this 20% can add up quickly, especially with unexpected medical bills or ongoing healthcare needs.

Who Needs Medicare Supplement Coverage?

If you rely solely on Original Medicare for your healthcare coverage, having a Medicare Supplement plan is essential to help protect you from high out-of-pocket costs. However, if you have additional coverage through an employer or a spouse’s group insurance plan, you may not need a separate Medigap policy, as your group plan may act as your supplement.

Choosing the Right Plan Matters

With multiple Medicare Supplement plans available, each offering different levels of coverage and pricing, it’s crucial to choose wisely. Selecting the wrong plan could result in significant out-of-pocket expenses, so having the right guidance is key.

How We Can Help

At Stocker Insurance, as an independent agency, we have access to a wide range of Medicare Supplement plans and providers. This allows us to compare options and find the best plan tailored to your unique needs and budget.

Don’t leave your healthcare coverage to chance. Call our office today for expert, personalized guidance on choosing the right Medicare Supplement plan for you. Your peace of mind starts with making the right choice!