Medicare Supplement: Just the FAQs

Discussions of Medicare Supplement plans typically prompt multiple questions in response. That’s why Eriesense® is providing the information that’s most important to you.

What is a Medicare Supplement Plan?

A Medicare Supplement plan is a private insurance policy that helps you pay for what Medicare doesn’t cover. You can apply for a policy when you sign up for Medicare Parts A and B. Available plans will vary depending on the state you live in.

Am I Eligible for a Medicare Supplement Plan?

You can apply for a Medicare Supplement plan policy if you are age 65 or over and enrolled in Medicare Parts A and B. The one-time Open Enrollment period, which begins on the first day of the month an individual is 65 or older and enrolled in Part B, provides for guaranteed issue. Individuals under age 65 eligible for and enrolled in Part B are not eligible (except in Kentucky) for guaranteed issue unless they have lost or are losing creditable coverage. In some states, Medicare Supplement insurance policies are available to people with disabilities who are under age 65.

Which Plan is the Most Comprehensive?

While all Medicare Supplement plans help offset those costs, Plan G offers the most comprehensive coverage for those becoming newly eligible for Medicare.

If you choose Medicare Supplement Plan G* from Erie Family Life, you won’t incur any out-of-pocket costs for expenses such as:

• Part A deductible
• Part A hospital copayments
• Part B copayments
• Part B excess physician charges (when a provider charges more than the Medicare-approved amount)
• Skilled nursing facility coinsurance
• Foreign emergency care

Plan G also allows you to choose any physician for your care, including specialists, while eliminating many out-of-pocket expenses associated with that care. Instead of paying copays and deductibles, you’ll pay a monthly premium for your Medicare Supplement plan.

How Do I Enroll?

Contact your ERIE Agent. They can answer any questions, determine your eligibility and review plans to meet your needs. When enrolling in a Medicare Supplement plan, be sure to have your Medicare ID card ready.

*The policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact your ERIE agent or refer to the government guide Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare.

Eligibility for insurance coverage will be determined at the time of application based on applicable underwriting guidelines and rules in effect at that time.

ERIE® Medicare Supplement insurance products and services are provided by Erie Family Life Insurance Company (home office: Erie, Pennsylvania). Go to erieinsurance.com for company licensure information. ERIE® Medicare Supplement insurance is not available in the District of Columbia and New York. Life insurance not available in New York. Medicare Supplement policy forms for Tennessee: EFLMS3003 9/17 (A) TN; EFLMS3009 9/17 (F) TN; EFLMS3014 9/17 (G) TN; EFLMS3019 9/17 (N) TN. Maryland and Virginia: Medicare Supplement policies are available to individuals under the age of 65 who are eligible for Medicare by reason of disability. Wisconsin: Costs and complete details of the coverage are available through your ERIE Agent and in the government guide: Wisconsin Guide to Health Insurance for People with Medicare. Not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation of insurance. A licensed insurance Agent/producer (or the company) may contact you. Erie Family Life does not sell Medicare Advantage plans. This policy has exclusions. For costs and complete details of the coverage, call your Agent.