Medicare Supplements

Provides supplemental insurance to cover
what Medicare does not.

Middle Age Couple Walking on Treelined Street

Medicare might be the best healthcare program anywhere, but there are gaps. It does not cover everything. This is where a Medicare Supplement plan comes into play, covering some of the costs not covered by Medicare Part A and Medicare Part B. These out-of-pocket costs include areas like copays, coinsurance, and deductibles.

We work with all types of supplemental coverage. There are pros and cons to each of the options available to you. And our representatives are happy to explain and compare all your options. We want to help you get the benefits you want and deserve.

Frequently Asked Questions about Medicare and Medicare Supplements

What is a Medicare Supplement plan?

A Medicare Supplement helps cover some of the out-of-pocket costs that Medicare Part A & B do not pay, such as copays, coinsurance, and deductibles.

Who can enroll in a Medicare Supplement plan?

To enroll in a Medicare Supplement plan, individuals must be enrolled in both Medicare Part A and Part B.

When is the best time to enroll in a Medicare Supplement plan?

The most common time to enroll is when someone turns 65 and is enrolled in both Medicare Part A and Part B.

You can contact us at any time to discuss your Medicare needs.

What is the Medicare Supplement open enrollment period?

Once someone is enrolled in both Medicare Part A and Part B, they have a six-month open enrollment period. During that time, acceptance is guaranteed. Once those six months are up, your application will have to go through underwriting, where a company may not cover you due to certain health conditions.

Do Medicare Supplement plans have a monthly premium?

Yes. Medicare Supplement plans require a premium, which may be paid monthly, quarterly, semi-annually, or annually, depending on the carrier. Members must also continue paying their Medicare Part B premium.

Are Medicare Supplement plans the same from one carrier to another?

In most states, Medicare Supplement plans are standardized and identified by letters, such as Plan G or Plan N. The same plan letter generally offers the same coverage from one carrier to another, although plan rules may vary in some states.

If the coverage is the same, why do prices vary?

Premiums can vary by carrier, location, age, and rating method, even when coverage is standardized.

Are Medicare Supplement plans guaranteed renewable?

Generally, yes. As long as premiums are paid, Medicare supplement plans are typically guaranteed renewable.

Do Medicare Supplement plans include prescription drug coverage?

No. Medicare Supplement plans do not include prescription drug coverage, so a separate Part D plan is usually needed.

Is Medicare Supplement the same as Medicare Advantage?

No. Medicare Supplement and Medicare Advantage are different types of coverage.

How does Medicare Advantage work?

Medicare Advantage provides coverage through a private plan instead of Original Medicare. These plans often combine medical, hospital, and prescription drug coverage, may offer low or $0 monthly plan premiums, and still require the Part B premium to be paid.

Can Mature Health Insurance Services, LLC. a Warner Pacific Company, help compare Medicare coverage options?

Yes. We help you compare Medicare coverage options, review carriers and plan designs, and understand the pros and cons of each approach.

How can I learn more about Medicare Supplement and Medicare Advantage options?

Contact our office or your Warner Pacific representative to compare Medicare Supplement and Medicare Advantage options.

Medicare Premiums for 2026

Most people get Part A automatically when they turn age 65. They do not have to pay a monthly payment called a premium for Part A because they or a spouse paid Medicare taxes while they were working.

Medicare Deductible and Coinsurance Amounts for 2026:

Part A: (pays for inpatient hospital, skilled nursing facility, and some home health care) For each benefit period Medicare pays all covered costs except the Medicare Part A deductible (2026=$1,736) during the first 60 days and coinsurance amounts for hospital stays that last beyond 60 days and no more than 150 days.

For each benefit period you pay:

$0 for the first 60 days of each benefit period after the $1,736 deductible is met.
$434.00 a day for the 61st – 90th day each benefit period.
$868.00 a day for the 91st – 150th day for each lifetime reserve day (total of 60 lifetime reserve days – non-renewable).
All costs for each day after day 150 of the benefit period.

Skilled Nursing Facility Coinsurance