Medicare Supplement Insurance

When you’re retired, managing expenses takes on a new level of importance, particularly medical expenses. Even with Medicare coverage, an unexpected health event can put your savings at risk. A Medicare Supplement Insurance policy from SGIC offers financial security and peace of mind – it helps you pay out-of-pocket costs for Medicare-approved services and works hand-in-hand with Medicare to provide more insurance coverage.

PLAN FEATURES:

• Choose the plan with the benefits, premium, and out-of-pocket expenses (e.g., copays and coinsurance) that best fits your health care and financial needs
• No restrictive networks – go direct to your preferred health care providers, including specialists and specialty hospitals
• Benefits stay the same year after year – plans are standardized and conform to exact benefits and features required by both federal and state government
• Guaranteed renewable with no worries of reduced benefits or cancelled coverage for the life of the policy, as long as premiums are paid on time

WHO IT'S FOR:

• People who are 65 or older and enrolled in Medicare Part B
• In some states, people under age 65 with a disability and/or end-stage renal disease (plan offerings and eligibility vary by state)

WHAT’S COVERED:

SGIC offers Medicare Supplement Plans A, B (in some states as required by law), F, G, and N. Plan A provides basic benefits, while plans B, F, G, and N offer more comprehensive coverage with benefits and features designed to meet different needs. Premiums vary according to the amount of coverage provided by a specific plan, as well as by age and where you live.

Here are the benefits that are included with each plan:

*Plan N requires $20 copayment for office visits; $50 copayment for emergency room visits. Copayments do not count toward the annual Part B deductible.

Medicare Supplement Insurance plans are standardized; however, all of the standardized plans may not be available in your area. Minnesota and Wisconsin Medicare Supplement Insurance policies are standardized in a different way. Medicare Supplement Insurance policies have exclusions and limitations.

Please call your agent/producer or our SGIC Medicare Supplement Insurance Customer Service at 833-552-0828 for complete details of coverage and cost.

For more information on Medicare and Medigap, click here (https://www.medicare.gov/supplement-other-insurance/medigap/whats-medigap.html). SGIC is not connected with or endorsed by the U.S. Government or the Federal Medicare Program.