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Finding Medicare Supplement Coverage

We can assist you in finding a Medicare Supplement insurance plan.  Medicare Supplement insurance (also known as Medigap insurance), helps pays for medical expenses that are not covered by Medicare.  Without Medicare supplement coverages, the amount of fees you could be responsible for in the event of a medical circumstance, could be substantial.  Medicare supplement plans provide coverage for several medical expenses not covered by Medicare (Part A and Part B coverage), such as: deductibles, copayments and coinsurance.

Medicare plans

There are 10 Medicare Supplement insurance (Medigap) plans.  Each plan offers a different level of coverage to offset costs not covered by Medicare.  These plans are designated by letters of the alphabet:
  • Plan A
  • Plan B
  • Plan C
  • Plan D
  • Plan F
  • Plan F (High deductible)
  • Plan G (High deductible)
  • Plan K
  • Plan L
  • Plan M
  • Plan N
These plans are standardized.  This means that no matter what insurance company you buy your Medicare Supplement plan from, the benefits are the same.  In other words, if you buy an "A" Medigap coverage plan from Blue Cross Blue Shield, the plan benefits would be the same as an "A" plan purchased from say, Humana.  Additionally, benefits are not affected by where you live.  If you buy plan an "F" plan in Fort Myers, Fl, and at some time in the future, move to Atlanta, GA, your coverage benefits will remain exactly the same.

Medicare also uses letters of the alphabet to designate different segments of Medicare coverage (Medicare Part A, Part B, Part C and Part D.)  These letter dominations are separate and completely unrelated to the Medicare Supplement plan styles.

How to qualify.

To qualify for a supplement plan you must already be enrolled in part A and Part B of Medicare.  Typically, if you are an U.S. citizen or legal permanent resident of at least five continuous years, you automatically qualify for part A of Medicare, once you turn 65.  If you've worked and paid at least 10 years of Medicare taxes (These taxes are usually deducted from your paycheck by your employer), you'll usually receive Medicare Part A for free.  You may also get Medicare Part A without a premium if your spouse has paid a sufficient about of Medicare taxes via his/her employment.  If you do not qualify for free Medicare part A coverage, in most cases, you can pay a monthly premium to acquire it.  Once you turn 65, Medicare part B coverage can be purchased by paying a modest monthly premium.



Joe Ferrara is the independent agent and broker and has been licensed since 1989.  Independent means we represent you and don't have an allegiance to one insurance company.  We are appointed by most of the highly rated insurers.  Our goal is to get you the best value at the lowest price.  We don't intrude on your privacy.  Everything is done online and by phone!  However, you can reach us seven days a week!

Call Us For HELP!   800-930-7006

Joseph Ferrara at VitalInsurance.org, Insurance Agency, Fort Myers, FL BBB seal

Just when I thought customer service was dead, I found Joe Ferrara through a recommendation.  That was 15+ years ago.  While a volunteer at Hospice, I realized it wasn't only the elderly that needed a Long Term Care policy.  I called Joe & he got me & my husband a wonderful policy.  After an accident, he even helped me with my claims!  He's always just a phone call away.  When it was time for a Medicare supplemental policy, he got me signed up with a great company.  He's honest, sincere & trustworthy.  I have recommended him to family & friends who are thrilled.  I highly recommend him!
Andrea B.
Boca Raton, FL

I am writing in behalf of Joseph Ferrara and find him very knowledgeable and informative on advising me of my healthcare needs and recommended options.  When I need help with my Medicare Supplement insurance, Joe was the professional I used for advice.  He also helped me with Long Term Care insurance and is always available to answer my questions and provide advice whenever requested.  He's exceptionally good!
Greg B.
Ft. Myers, FL









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