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Medicare Supplement

Get prices & benefit comparisons from the top Medicare Supplement insurance companies in your area.

Register for our webinar

  • Walk away with a clear idea of which Medicare plan
    is suitable for you and your family.
  • Learn how to avoid the top 7 reasons people end up overpaying by thousands over the years on
    Medicare insurance and co-pays.
  • Learn how to take advantage of California’s exclusive rule to protect you from ever overpaying for Medicare insurance again!

Still not sure which type of insurance to select?
Go to our Medicare Resource Section below. Or Talk with a licensed Policy Engineer to help you decide, they are happy to help you.

Schedule a Virtual or In-Person Meeting

*by scheduling an appointment, you are giving a licensed policy engineer permission to contact you.

Enrolling in a Medicare Plan with 

Policy Engineer is simple!

  1. Determine the type of insurance you need.
  2. Answer a few quick questions to get a quote.
  3. Pick the company and options that you prefer.
  4. Complete an online application yourself or schedule a virtual meeting to enroll with a licensed Policy Engineer.
Medicare Supplement

Get prices & benefit comparisons from the top Medicare Supplement insurance companies in your area.

Medicare Reviews

Medicare Advantage Plan (Part C)

CONSUMER BUYING TIPS

Avoid some of the most common mistakes by checking out our consumer buying tips below, don’t find out there was a better way after you’ve already enrolled.

Same Benefits
Lower Premium

Before Policy Engineer: $250.48 / mo
After Policy Engineer: $175.62 / mo

$74.86 Saved!

Meet-Mike

Meet Mike, he’s turning 75 this year and felt his premiums were getting a little high, after doing his research with Policy Engineer he was able to save almost 30% on his Medicare Supplement premiums. That’s almost 1/3 less!!!

I relate to Mike!

No matter what your needs are there is a policy that was engineered for someone just like you,
click one of the plan types below to get the started.

Flip the tiles below to see how a Medicare Advantage plan
might pick up some costs that Medicare won’t.

Deciding which Medicare Supplement Plan is right for you

How do I compare Medigap policies? The chart below shows basic information about the different benefits that Medigap policies cover for 2020. If a percentage appears, the Medigap plan covers that percentage of the benefit, and you’re responsible for the rest. As an example if the chart shows 100% you would be responsible for zero.

* Plans F and G also offer a high-deductible plan…
* * For Plans K and L…
* * * Plan N has a copayment…

* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 before your policy pays anything. (Plans C and F won’t be available to people who are newly eligible for Medicare on or after January 1, 2020.)
* * For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($198 in 2020), the Medigap plan pays 100% of covered services for the rest of the calendar year.
* * * Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.

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WHEN CAN I APPLY FOR COVERAGE?

If you’re not sure if you are currently eligible to apply for coverage use the chart below. Find your reason on the left, then look down the row to the right to determine if you are eligible, how long you have to apply, and if you will have any underwriting as a part of the approval process.

* Must have left a Medicare Advantage plan and returned to Original Medicare during the Jan 1 – Mar 31 Open Election Period to be eligible to apply for a Part – D plan.

Not all Part – D prescription insurance plans are created equal, different plans can cater to have more coverage during one or more of the 4 stages to your Part – D coverage. Medicare has a 4 stage structure to how you pay for prescriptions through out the year. Get the plan that fit’s your needs best. Click here to start comparing plans.

SPEAK WITH A LICENSED POLICY ENGINEER
TO BETTER UNDERSTAND YOUR OPTIONS

By scheduling an appointment, you are giving
Policy Engineer permission to contact you.

Medicare
Stage 1
Deductible

Deductibles vary between Medicare drug plans. No Medicare drug plan may have a deductible of more than $435 in 2020. Some Medicare drug plans don’t have a deductible.

Remember even if you don’t take any prescriptions it may be a good idea to get on a plan to avoid a penalty in the future. If you go without Part D now you will incur a permanent penalty in the future should you end up joining a plan.

Stage 2
Initial Coverage
Co-payment – Set amount according to tier.
Coinsurance – Percent of drug cost.
Stage 3
Coverage Gap

Once you and your plan have spent $4,020 on covered drugs in 2020, you’re in the coverage gap. You’ll pay no more than 25% of the cost for your plan’s covered brand-name prescription drugs.

Stage 4
Catastrophic

Once you’ve spent $6,350 out-of-pocket in 2020, you’re out of the coverage gap and you will automatically get Catastrophic Coverage. You’ll pay no more than 5% coinsurance for your plans covered brand-name prescription drugs.

Remember even if you don’t take any prescriptions it may be a good idea to get on a plan to avoid a penalty in the future. If you go without Part D now you will incur a permanent penalty in the future should you end up joining a plan.