How to Shop for Medicare Supplements
You may have heard the term “Medigap.” It’s just another name for Medicare supplement. Here are some things to consider before you buy one.
- You must have Medicare Part A and Part B to buy a Medicare supplement.
- When you buy a Medicare supplement from BCBSNE—or any insurance company—you pay a separate monthly premium for your supplemental policy in addition to the monthly Part B premium that you pay to Medicare.
- A Medicare supplement policy covers one person. If you and your spouse both want a Medicare supplement, you should buy one for each.
- Once you’re actively enrolled in a Medicare supplement, you will be able to continue to renew the policy even if you develop health problems.
- Prescription drug coverage is separate
- If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
- If you have a Medicare Advantage Plan, you can switch to a Medicare supplement, but make sure you can leave the Medicare Advantage Plan before your supplement policy begins.
- Pre-existing conditions can become an issue if you switch plans.—If you enroll in your supplemental insurance plan at the time you first become eligible for Medicare, pre-existing conditions aren't an issue. If you wait or you don't like your insurance provider and decide to switch later, you may run into health questionnaires and potential waiting periods.
- Best time to buy a Medicare supplement
- Protection from Medicare scams
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Understanding all the coverage options available may feel confusing. Download information from Blue Cross and Blue Shield of Nebraska about Medicare options, important dates to remember and more.