Speak to a Live Person.    Call 800-442-9899

The Truth About Medicare Coverage

Over the past few years, a LOT of people have been misled about how Medicare and Medicare Supplements work

Many times these people don’t learn the truth until they’re facing a huge medical bill, charging for a service they thought was covered.

One misconception wreaks financial havoc on retirees around the country.  No matter what anyone has told you…

Medicare DOES NOT Cover All Medical Expenses

Medicare provides significant coverage, but it isn’t comprehensive.  There are a number of medical costs that you’ll still be responsible to pay in the months and years to come.  These expenses, such as deductibles, copayments and/or coinsurance, come out of YOUR pocket.  The costs can add up quickly, reaching into the thousands of dollars every year. In fact, AARP reports that,

a 65-year-old couple retiring this year will need $240,000 to cover future medical costs……the cost of deductibles and copayments, premiums for optional coverage for doctor visits and prescription drugs, out-of-pocket expenses for prescription drugs, and other expenses that Medicare doesn’t cover.” 1

Fortunately, Medicare supplemental insurance (also known as Medigap) is available to fill in those gaps in Part A and B plans.  Medicare supplement insurance can help erase those deductibles, coinsurance and copays.

Talking about Medicare supplement insurance, CBS News said

“…it’s absolutely necessary to purchase such a plan… It is critical that you do your homework when shopping for this coverage because premiums and plan features can vary substantially.” 2

With 10 different types of plans, each offering different benefits, the amount of “homework” you’ll have to do can be intimidating.

At AccuQuote, we’ve done the painstaking research to make this process as easy as possible for you.  Helping people do their “homework” is one of our specialties.

We’ll figure out the specific details about the coverage you need.  Then we’ll compare the various policies on the market and find the one best suited for you – at the most affordable price.

Who Can Purchase Medicare Supplement Insurance?

  • Individuals age 65 and over who have Original Medicare – Parts A and B
  • Those under age 65 with select disabilities

When Can You Get It?

The best time to apply is during the Medigap Open Enrollment Period, which begins on the first day of the month you are both age 65 and enrolled in Medicare Part B, and lasts for 6 months.  During the Open Enrollment period, you are GUARANTEED to be accepted and enrolled in the plan of your choice regardless of any pre-existing health conditions. In some instances, we can help you apply up to 6 months before turning 65.

While you may apply after this enrollment period, your application would then include health questions where acceptance is not guaranteed.

Request your free quote today.  Click the Get Started button.  One of our Medicare experts will answer all of your questions and walk you through the process step by step.

Your enrollment window is limited, so don’t put this on the backburner!

We look forward to helping you get the right coverage.

Protect yourself from financial hardship due to medical bills.  Select Medicare in the ‘Get a Quote’ box in the upper right and click the Get Started button.

Get Started


1 Martha M. Hamilton, http://www.aarp.org/health/medicare-insurance/info-12-2012/health-care-costs.html

2 Steve Vernon, http://www.cbsnews.com/news/should-you-buy-a-medigap-or-medicare-advantage-plan


We only work with highly rated insurance companies – brand names you trust. You may be able to save money without sacrificing quality and strength.