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Medicare Supplement

A Medicare Supplement insurance plan can help you pay for medical costs that may not be covered by Medicare. Erie Family Life* and our insurance agents will work with you to help you select the best supplement insurance for your needs and budget.



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Choosing Medicare Supplement Insurance

Health care expenses can add up and be a burden, particularly if you’re on a fixed retirement income. Health care and out-of-pocket costs for Medicare participants are also on the rise, making the need for supplemental insurance even greater.**

Private insurance companies like Erie Family Life offer supplemental insurance policies* that work with Medicare Parts A and B, the federal health insurance program for people age 65 and older (in some states, policies are available to disabled individuals under the age of 65).

Medicare Part A (hospital insurance) helps pay for:

Medicare Part B (medical insurance) helps pay for:

With Medicare Parts A and B, you’re required to pay deductibles and coinsurance for Medicare-provided services. Medicare Supplement plans are designed to help pay for costs like deductibles, copayments and coinsurance that you would typically pay out of your own pocket. The costs and benefits will depend on which Medicare Supplement plan you select.

Here are a few more reasons to enroll in a Medicare Supplement plan:

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Levels of Coverage

Medicare Supplement plans, lettered A through N, are designed to meet different levels of coverage needs. An Erie Insurance agent can help you determine what you want your Medicare Supplement insurance policy to cover. For instance, here are a few things to consider.

The policies do not cover long-term care, vision or dental care, hearing aids, eyeglasses or private nursing.


Medicare Supplement plans from Erie Family Life

COVERAGES PLAN A PLAN B
(PA ONLY)
PLAN F^ PLAN G PLAN N^^
Basic benefits (including hospice care) Yes Yes Yes Yes Yes
Part A deductible - Yes Yes Yes Yes
Part A hospital copayments1 Yes Yes Yes Yes Yes
Part B deductible - - Yes - -
Part B copayments Yes Yes Yes Yes Yes
Part B excess physician charges - - Yes Yes -
Skilled nursing facility coinsurance - - Yes Yes Yes
Foreign emergency care2 - - Yes Yes Yes
1Hospital benefits must be provided by facilities participating with Medicare. Payments are limited to the reasonable charge as determined by Medicare. After 90 days of hospitalization, Medicare benefits are paid from a one-time lifetime reserve of 60 days (days 91–150), which are not renewable each benefit period.

2Foreign emergency care is covered at 80 percent after a $250 deductible is met, up to a $50,000 lifetime maximum.

^This is different from Plan F High Deductible plans offered by some insurance companies, where you must pay all out-of-pocket Original Medicare costs until you reach a designated amount before your policy pays anything.

^^Plan N requires a $20 copayment for office visits and a $50 copayment for emergency room visits. Copayments do not count toward theannual Part B deductible.

These plans are not connected with or endorsed by the U.S. government or the federal Medicare program. Not all plans are available in all states in which Erie Insurance conducts business and not all ERIE agents offer Medicare Supplement insurance. Medicare Supplement insurance is not available in the District of Columbia, New York and Wisconsin. Life insurance is not available in New York. The policy has terms under which the policy may be continued in force or discontinued. Costs and complete details of the coverage are available through your ERIE agent and in the government guide Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare.


Discounts are Available

ERIE also offers discounts**** designed to help keep health care costs down. The discounts vary by state:

Ready to get started?

Erie Family Life and our experienced insurance agents can help you select the best supplemental plan for your life and budget. You can apply for a Medicare Supplement plan policy if you are age 65 or over and enrolled in Medicare Parts A and B.

To enroll, get in touch with an ERIE agent, who will:

  1. Review the advantages of securing a Medicare Supplement policy from ERIE.
  2. Help you determine which plan and pricing best meet your needs and budget.
  3. Complete the simple application process with you.

Erie Family Life is new to Medicare supplement insurance, but Erie Insurance has over 90 years of experience taking care of people and their property and casualty insurance needs. Erie Family Life has been providing life insurance and annuity products since 1967. Every policy from Erie Insurance or Erie Family Life comes with two very important, unique features: our promise of service and your own local, knowledgeable agent.

We'll help you consider the variables, lay out the options and make the process comfortable and efficient. With offices, employees and agents in 12 states, we’re never far away and we’ll be there when you need us the most.

 

*This is a solicitation of insurance. An agent (or the company) may contact you. ERIE® life and health insurance products and services are provided by Erie Family Life Insurance Company. The policy has terms, limitations and exclusions under which the policy may be continued in force or discontinued. For costs, complete details and licensure information, contact an ERIE agent or visit erieinsurance.com/medicare-supplement. Eligibility for insurance coverage will be determined at the time of application, based upon applicable underwriting guidelines and rules in effect at that time. In some states, Medicare Supplement policies are available to disabled individuals under the age of 65. Not all plans are available in all states and not all ERIE agents offer Medicare Supplement insurance. Medicare Supplement insurance is not available in the District of Columbia, New York and Wisconsin. Life insurance is not available in New York. 

**The Henry J. Kaiser Family Foundation report on Medicare beneficiaries’ out-of-pocket health care spending. 

***Talk to your ERIE agent about exceptions that may apply to guaranteed coverage. 

****Discount eligibility and amounts vary by state. Talk to your ERIE agent to determine what discounts apply in your state.