Medicare Supplement Insurance
Comprehensive coverage at a competitive price
Manage Your Health Insurance Costs
If you have a Medicare Supplement Insurance policy, we may be able to help you save money*.
We offer Medicare Supplement Plans A, F, G, and N through Nassau Life Insurance Company of Kansas (Nassau). We offer competitive rates, especially for individuals seeking Plan F.** Plan F offers the most amount of protection from surprise expenses, including the Part B Deductible and Part B Excess Charges (excess fees are limited to 15% above the Medicare-approved amount). Plan F is available to people who were eligible for Medicare prior to January 1, 2020.
*If you change Medicare Supplement policies, you may be subject to underwriting and may be denied coverage. Do not cancel your current policy until a new policy has been issued.
**Based on a comparison of Nassau rates and competitor rates as of July, 2021. Premium rates vary by plan selected and are subject to change.
Speak to a Licensed Insurance Agent/Producer
Hours: M–F 8:30 am – 4:30 pm ET
Looking for help with your existing policy?
Call 1-800-999-2224
Avoid Surprise Bills
Unexpected medical expenses can happen. Having a Medicare Supplement policy can provide financial stability by helping you pay Medicare approved expenses and works together with Medicare to provide more insurance coverage. A Medicare Supplement Insurance plan gives you the freedom and flexibility to select a plan that fits your budget to help with predictability of your health care expenses.
Understand your options
Although private insurance companies provide Medicare Supplement coverage, Medicare Supplement Insurance plans are stringently regulated by both federal and state government. Make sure you understand what your Medicare Supplement plan includes. Then choose a plan that best fits your needs and your budget.
Select the right plan
Plan A offers you basic coverage and Plan F offers you the most comprehensive coverage. Premiums also vary according to the amount of coverage provided by a specific plan. A household discount is available for eligible applicants.*
*Plan F is only available if you were eligible for Medicare prior to January 1, 2020.
Understand the Plans
We Offer Four Plans With Different Levels of Coverage
Compare the benefits of each lettered plan to help find one that meets your needs now and in the future.
| Benefits | Plan A | Plan F | Plan G | Plan N |
|---|---|---|---|---|
| Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up | ||||
| Part B copays/coinsurance* | ||||
| Blood (first 3 pints) | ||||
| Part A hospice care coinsurance or copayment | ||||
| Part A deductible | ||||
| Part B deductible | ||||
| Foreign travel emergency** | 80% | 80% | 80% |
Important Notes:
*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 inpatient admission.
**For plans that include this benefit, coverage is limited to emergency treatment received during the first 60 consecutive days. A $250 deductible and lifetime maximum of $50,000 also apply.
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Part B covers certain doctors’ services, outpatient care medical supplies, and preventive services. Available plan benefits are covered at 100%, except where noted.
Plan F is not available to people who were newly eligible for Medicare on or after January 1, 2020.
Premium and benefits vary by plan selected.
EXCLUSIONS:
What We Will Not Pay For
This policy does not pay for expenses of the kind not covered by Medicare.
PRE-EXISTING CONDITION LIMITATIONS1
Pre-Existing Conditions Are Not Covered For 6 Months2
Pre-existing Conditions are covered after this policy has been in force for 6 months.2 "Pre-Existing Condition" means a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months2 before the effective date of coverage.
If, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months2, we will not exclude benefits based on a pre-existing condition. If, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for less than 6 months2, we will reduce the period of the preexisting condition limitation by the time covered under such prior coverage.
We will waive any pre-existing condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status.
1. This Pre-existing Condition limitation does NOT apply to Kansas residents.
2. For Wyoming residents, "6 months" is changed to "90 days".
Which Plan Should I Choose?
Plans Vary by Coverage and Cost
Nassau offers plans A, F, G and N with varying coverage and cost. For example, Plan F offers the most comprehensive while plan A offers the most basic coverage. It’s important for you to choose the best plan for your coverage and cost needs.
It’s Easy to Compare Plans
The comparison chart above provides a side-by-side comparison of the plans offered by Nassau in your state. You can easily compare coverage between plans using this chart. We recommend discussing these options with your licensed insurance representative who can help you choose the right plan and compare costs.
Which plan is most popular?
As of the end of 2019, around half of all seniors with Medicare Supplement insurance selected Plan F.* Plan F provides the most coverage, including the Part B Deductible and Part B Excess Charges (Plan F pays for excess doctor charges that Medicare doesn’t pay, which are limited to 15% above the Medicare-approved amount). However, this plan is only available to people who were eligible for Medicare prior to January 1, 2020. As a result, Plan F coverage is subject to medical underwriting except in select guaranteed issue scenarios.
*According to America’s Health Insurance Plans study, State of Medigap of 2019: Trends in Enrollment and Demographics.
Why Choose Nassau?
Apply in one call
Our application process will quickly determine your eligibility over the phone. Once all application information has been submitted, we can determine your eligibility electronically in minutes.
The same doctors
Being able to visit the "same doctors" is a standard Medicare Supplement benefit. You can use any doctor who accepts Medicare and are not restricted to use a network of healthcare providers. If you move within the US your coverage goes with you.
The same benefits
If you already have Medicare Supplement Insurance, we will provide the same core benefits that your current carrier provides. Note, if you change Medicare Supplement policies, you may be subject to underwriting and may be denied coverage. Do not cancel your current policy until a new policy has been issued.
The same billing process
It's seamless. Direct electronic billing process. Bills go directly to Medicare and the carrier.
...All at a competitive price
We may be able to save you money and we guarantee the price for the first 12 months.
Speak to a Licensed Insurance Agent/Producer
Hours: M–F 8:30 am – 4:30 pm ET
What is Medicare Supplement Insurance?
Medicare Supplement Insurance, sometimes referred to as "Medigap" insurance helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance policy can help pay some of the remaining health care costs, like:
- Copayments
- Coinsurance
- Deductibles
What Do I Pay for Coverage?
Monthly Premium
A monthly premium is the fee you pay to the plan in exchange for coverage. Each Medicare Supplement plan has a different monthly premium. Monthly premiums also vary by your age, location and your underwriting class (if applicable). A household discount is available for eligible applicants.
When Can I Apply For Medicare Supplement Insurance?
Inside open enrollment period
Your open enrollment period starts the first day of the month in which you are enrolled in Medicare Part B (Medical Insurance) and age 65 or older.
Medigap insurance companies are generally allowed to use medical underwriting to decide whether to accept your application and how much to charge you for the policy. However, even if you have health problems, during your open enrollment period you can buy any policy the company sells for the same price as people with good health.
Outside open enrollment period
If you apply for Medicare Supplement insurance coverage after your open enrollment period, there's no guarantee that an insurance company will sell you a policy if you don't meet the medical underwriting requirements. You may also be able to purchase Medicare Supplement insurance if you are under age 65 and are eligible for Medicare because of a disability or End-Stage Renal Disease (ESRD), or you have a guaranteed issue right.
Important Notice: In the following states, all Medicare Supplement plans are available to persons eligible for Medicare because of disability: Colorado, Delaware, Illinois, Kansas, Kentucky, Louisiana, Pennsylvania, Mississippi, Montana, South Dakota, Tennessee.
Important Disclosures
Our company and agents/producers are not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. An insurance agent/producer may contact you.
Premium and benefits vary by plan selected. Plan availability varies by state. Policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact the company. Medicare Supplement policies are underwritten by Nassau Life Insurance Company of Kansas ("Nassau"), a subsidiary of Nassau Financial Group.
Nassau currently offers Medicare Supplement insurance in AL, CO, DE, IL, IN, IA, KS, KY, LA, MD, MI, MS, MT, NE, NM, NV, NC, ND, OH, OK, PA, SC, SD, TN, TX, UT, WY. Nassau is not authorized to market Medicare Supplement insurance in AK, AR, AZ, CA, CT, DC, FL, GA, HI, ID, MA, ME, MN, MO, NH, NJ, NY, OR, RI, VA, VT, WA, WI, WV. The following Nassau Medicare Supplement plans are available to persons eligible for Medicare due to disability: Indiana (Plan A), Maryland (Plan A), North Carolina (Plans A, F & G), Oklahoma (Plan A), Texas (Plan A). Policy series: NKS MS19-PLAN A, NKS MS19-PLAN F, NKS MS19-PLAN G, NKS MS19-PLAN N. Oklahoma: NKS MS19-PLAN A OK, NKS MS19-PLAN F OK, NKS MS19-PLAN G OK, NKS MS19-PLAN N OK; Pennsylvania: NKS MS19-PLAN A PA, NKS MS19-PLAN B PA, NKS MS19-PLAN F PA, NKS MS19-PLAN G PA, NKS MS19-PLAN N PA; Tennessee: NKS MS19-PLAN A TN, NKS MS19-PLAN F TN, NKS MS19-PLAN G TN, NKS MS19-PLAN N TN; Texas: NKS MS19-PLAN A TX, NKS MS19-PLAN F TX, NKS MS19-PLAN G TX, NKS MS19-PLAN N TX.
The information provided on this site is a summary only. It is not a contract. View the policy for complete terms and conditions.
BPD40660c
08-23