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Vancouver, WA., Portland, OR. - Medicare Supplement Plans

Medicare Supplement Insurance – Fill the Gaps in Your Medicare Coverage

Original Medicare (Parts A and B) provides essential coverage, but it doesn’t cover all medical expenses. That’s where **Medicare Supplement Insurance** (Medigap) from Columbia River Insurance Services comes in. Medigap policies help pay for out-of-pocket costs like copayments, coinsurance, and deductibles, giving you peace of mind and predictable healthcare expenses.

Why Do You Need Medicare Supplement Insurance?

While Original Medicare provides a strong foundation, it leaves you responsible for significant out-of-pocket costs. Medicare Supplement Insurance helps cover:

  • Medicare Part A Deductible: Helps pay for the hospital deductible that Medicare doesn’t cover.
  • Medicare Part B Coinsurance: Covers the 20% of medical expenses that Medicare Part B leaves behind.
  • Excess Charges: Helps with costs if your provider charges more than Medicare-approved amounts.
  • Foreign Travel Emergencies: Provides coverage for medical emergencies when traveling outside the U.S.

How Medicare Supplement Insurance Works

Medicare Supplement plans are designed to work alongside Original Medicare. Here’s how it works:

Original Medicare

Medicare Parts A and B provide basic hospital and medical coverage.

Medicare Supplement

Helps pay for out-of-pocket costs not covered by Original Medicare.

Lower Costs

Reduces unexpected healthcare expenses and provides predictable costs.

Who Needs Medicare Supplement Insurance?

If you’re enrolled in Original Medicare, Medicare Supplement Insurance is a smart choice for:

  • Retirees seeking predictable healthcare costs
  • Individuals concerned about Medicare deductibles and coinsurance
  • Frequent travelers needing coverage abroad
  • Anyone looking to minimize out-of-pocket medical expenses

Why Choose Columbia River Insurance Services?

  • Multiple Plan Options: Choose from a variety of Medigap plans to suit your needs.
  • Affordable Rates: Competitive premiums to fit your budget.
  • Expert Guidance: Personalized support to help you understand your coverage and options.
  • Peace of Mind: Know that your medical expenses are covered beyond Original Medicare.

Frequently Asked Questions

Q: What’s the difference between Medicare Advantage and Medicare Supplement?

A: Medicare Advantage replaces Original Medicare, while Medicare Supplement works alongside Original Medicare to cover out-of-pocket costs.

Q: Can I use any doctor with Medicare Supplement Insurance?

A: Yes, you can see any doctor or specialist who accepts Medicare patients.

Q: Does Medicare Supplement Insurance include prescription drug coverage?

A: No, you’ll need a separate Medicare Part D plan for prescription drug coverage.

Get the Coverage You Need to Fill the Gaps

Don’t let out-of-pocket costs catch you by surprise. Medicare Supplement Insurance from Columbia River Insurance Services gives you the financial protection you need to cover what Medicare doesn’t. Call us at 360-883-5776 or request a free quote online today!

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