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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 Life1 and our insurance agents will work with you to help you select the best supplement insurance for your needs and budget.

Are you a customer or medical provider?

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.2

Private insurance companies like Erie Family Life offer supplemental insurance policies1 that work with Medicare Parts A and B, the federal health insurance program for people age 65 and older, people under the age of 65 with certain disabilities and people of any age with End-Stage Renal Disease (ESRD).

Medicare Part A (hospital insurance) helps pay for:

  • Inpatient hospital care
  • Skilled nursing facility care
  • Hospice care
  • Certain home health care services

Medicare Part B (medical insurance) helps pay for:

  • Physician fees
  • Outpatient hospital services
  • Durable medical equipment
  • Some preventive services

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:

  • It helps pay the portion of approved expenses not covered by Medicare.
  • With no network, you can choose any doctor or hospital that accepts Original Medicare.
  • Coverage is guaranteed if you enroll in the first six months of Medicare Part B eligibility.3
  • Coverage is guaranteed to renew each year (unless you fail to pay premiums, make untrue statements or commit fraud).

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.

  • Basic benefits (including hospice care)
  • Medicare Part A deductible
  • Medicare Part A daily hospital copayments
  • Medicare Part B deductible
  • Medicare Part B copayments
  • Medicare Part B excess physician charges
  • Skilled nursing facility care copayments
  • Emergency care in a foreign country

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

Discounts are Available

In keeping with our founding purpose of providing superior protection and service at the lowest possible cost, ERIE also offers discounts4 designed to help keep health care costs down. The discounts vary by state:

  • Household Discount—This discount is available and varies from state to state. Ask your agent for details.
  • Multi-policy Discount—This discount is available when the Medicare Supplement plan covers an ERIE auto, home or life policyholder (not available in all states).
  • Multi-Medicare Supplement Discount— available when both spouses are ERIE Medicare Supplement policyholders.
  • 1

    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. 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. ERIE Medicare Supplement insurance is not available in the District of Columbia and New York. Life insurance is not available in New York.

  • 2

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

  • 3

    Talk to your ERIE agent about exceptions that may apply to guaranteed coverage. For example, coverage is not always guaranteed within the first six months of Part B eligibility. In Kentucky 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 for guaranteed issue unless they have lost or are losing creditable coverage.

  • 4

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

MEDICARE SUPPLEMENT PLANS FROM ERIE FAMILY LIFE

Coverages

Plan A

Plan B (PA only)

Plan F3

Plan G4

Plan N5

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 deductible3

-

-

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

Coverages

Basic benefits (including hospice care)

Plan A

Yes

Plan B (PA only)

Yes

Plan F3

Yes

Plan G4

Yes

Plan N5

Yes

Coverages

Part A deductible

Plan A

-

Plan B (PA only)

Yes

Plan F3

Yes

Plan G4

Yes

Plan N5

Yes

Coverages

Part A hospital copayments1

Plan A

Yes

Plan B (PA only)

Yes

Plan F3

Yes

Plan G4

Yes

Plan N5

Yes

Coverages

Part B deductible3

Plan A

-

Plan B (PA only)

-

Plan F3

Yes

Plan G4

-

Plan N5

-

Coverages

Part B copayments

Plan A

Yes

Plan B (PA only)

Yes

Plan F3

Yes

Plan G4

Yes

Plan N5

Yes

Coverages

Part B excess physician charges

Plan A

-

Plan B (PA only)

-

Plan F3

Yes

Plan G4

Yes

Plan N5

-

Coverages

Skilled nursing facility coinsurance

Plan A

-

Plan B (PA only)

-

Plan F3

Yes

Plan G4

Yes

Plan N5

Yes

Coverages

Foreign emergency care2

Plan A

-

Plan B (PA only)

-

Plan F3

Yes

Plan G4

Yes

Plan N5

Yes

  • 1

    Hospital 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.

  • 2

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

  • 3

    Plan F is only available to Medicare enrollees who turned 65 prior to 1/1/2020. If you were Medicare-eligible before 2020, you can keep or pick up Plan F, even if you did not have a plan before 2020.

  • 4

    This is different from Plan G 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.

  • 5

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

Ready to get started?

Using the option below to request a quote, 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 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.

Request a medicare supplement insurance quote