Medicare Supplement Plans
What is a Medicare Supplement Plan?
Navigating the world of life insurance can be overwhelming. The process can be confusing—deciding when and how to secure coverage, finding the right plan that suits your needs, and the anxiety of potentially making a mistake that could leave you without adequate protection.
Other insurance providers may rush to get you matched to a plan quickly, focusing on closing the sale. But at DMV Senior Benefits, we believe that true value comes from taking the time to understand your unique needs and circumstances. We’re committed to providing personalized, thoughtful guidance every step of the way.
Our goal is to help you find the life insurance coverage that perfectly fits your life and budget. By partnering with trusted national carriers, offering expert advice, and providing continuous support, we’re here to ensure you have the right protection for peace of mind, now and in the future.
Why Medicare Supplement Insurance?
Having Medicare Supplement Insurance alongside Original Medicare can help protect you from unexpected medical expenses, ensuring you receive the care you need with greater peace of mind.
Guaranteed Issue means you cannot be denied coverage due to a pre-existing condition. Your plan is guaranteed renewable as long as you continue paying your premiums and do not make any misrepresentations on your application.
Our licensed insurance agents work with you to find coverage that meets your needs at a price that fits your budget. In most cases, the primary difference between plans is the cost, allowing you to focus on securing the best value without worrying about changes in coverage.
Benefits of Supplemental Plans (Medigap)
Guaranteed Coverage Every Year
As long as you maintain your premium payments, your coverage will automatically renew each year and cannot be canceled—except in specific cases such as providing false information on your application.
Straightforward Plan Options
Our supplemental health insurance plans are designed to be simple and easy to understand. With standardized options, comparing and choosing the right plan is quick and hassle-free.
Access to a Nationwide Network
With Supplemental Plans, you can visit any doctor or specialist who accepts Medicare patients. Medical providers who accept Medicare must also accept all supplemental health insurance plans, regardless of the insurance provider.
Plan Options and Comparison Chart
There are 10 standard Medicare Supplement Insurance Plan types available in most states, each with an assigned letter from A to N (Plans F and C are only available to those who were eligible for Medicare prior to Jan. 1, 2020).
Medicare Supplement Plan Comparison Chart (2025)
| Medigap Benefit | Plan A | Plan B | Plan C | Plan D | Plan F | Plan G | Plan K | Plan L | Plan M | |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used |  | | | | | | | | | |
| Part B coinsurance or copayment | | | | | | | 50% | 75% | YES | |
| Blood (first 3 pints) | | | | | | | 50% | 75% | | |
| Part A hospice care coinsurance or copayment | | | | | | | 50% | 75% | | |
| Skilled nursing facility care coinsurance | | | | | 50% | 75% | 50% | |||
| Part A deductible | | | | | | 50% | 75% | 50% | ||
| Part B deductible | | | ||||||||
| Out-of-pocket limit² | N/A | N/A | N/A | N/A | N/A | N/A | $7060 IN 2024 | $7060 IN 2024 | N/A |
Benefits of Medicare Supplemental Health Insurance:
Standardized Basic Benefits
All Medicare Supplement Insurance Plans must offer the same standardized basic benefits, no matter which insurance company provides them. While Medicare Supplement Insurance Plans typically do not cover dental, vision, hearing, long-term care, or prescription drugs, they are required to cover at least a portion of the following:
When to Enroll in a Medicare Supplement Insurance Plan
You can enroll in a Medicare Supplement policy only after enrolling in Original Medicare (Parts A and B). The best time to enroll is during your Medicare Supplement Insurance Open Enrollment Period, which begins once you have Medicare Part B and lasts for six months. During this period, you have guaranteed issue rights, meaning you cannot be denied coverage due to health conditions.
Guaranteed Issue Rights
Policy outside your Open Enrollment Period. In these specific situations, insurance companies must offer you any Medigap policy they sell, cover your pre-existing conditions, and cannot deny coverage based on your health history—whether past or present.These rights typically apply if you lose coverage due to circumstances beyond your control or if you are using a trial right. Various situations may qualify you for guaranteed issue rights, and some states provide additional special circumstances.
If you believe you may be eligible, it’s important to speak with a licensed insurance agent. Your DMV Senior Benefits licensed agent will guide you through the details of your Medicare Supplement Insurance Plan, ensuring you fully understand the costs and benefits before you enroll.
