Medicare Supplement Overview

What You Need to Know About Medigap Insurance

Medigap policies are health insurance policies sold by private insurance companies to fill “gaps” in original Medicare coverage. If you choose to join a Medicare Advantage Plan (like an HMO or PPO), that plan will normally provide all of your Medicare Part A, Part B, and often Part D – that is, hospital, medical, and prescription drug coverage. So if you join a Medicare Advantage Plan, you don’t need a Medigap policy.

But if you do need a Medigap policy, it must follow federal and state laws designed to protect you and it must be clearly identified as “Medicare Supplement Insurance.” You pay a monthly premium to the private health insurance company that sells you the policy. Medicare and your Medigap policy both pay their share of covered health care costs.

Medigap policies usually provide the following benefits:

  • Help with paying for some of the health care costs original Medicare doesn’t cover.
  • Additional health insurance not covered by original Medicare, such as medical care when you travel outside the United States.

To learn more about Medigap, review the helpful guide Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare.

You can get the lowest rates on Medicare supplemental insurance plans in Central New York… and fill 100% of the gaps in your Medicare insurance coverage. Let us help you compare Medicare Supplement (Medigap) plans and rates from top-rated supplemental insurance companies.

Choosing the right Medicare Supplemental (Medigap) plan brings you a number of critical benefits:

  • No deductibles
  • No co-pays
  • No referrals necessary
  • No complicated claims paperwork
  • No remaining bills to pay

And it’s so simple to do…

  • Go to any doctor or hospital without worrying about “networks”
  • Provide your Medicare Insurance Coverage and Medicare Supplemental Insurance Plan information
  • Get all the treatment that your doctor (not some insurance company) deems necessary – and the costs are covered

That’s peace of mind worth having.

Medicare Supplement Insurance Plans at Lower Rates
If you are on Medicare, you are probably facing tough decisions on choosing the right Medicare Supplement Insurance Plan. If you are like most of the people we have assisted in the past 18 years, you have found that trying to make the decision on the right Medicare Supplemental Insurance Plan (Medigap Plan) can be stressful, to say the least.

The good news is that it doesn’t have to be.

If you choose the right Medicare Supplemental Plan you will never have to pay a penny when receiving treatment in a physician’s office, hospital or specialty treatment center that accepts Medicare Insurance.

That’s right, whether your doctor or hospital bills are $5 or $5 million, if you choose the right Medicare Supplement Plan you will never have to pay anything for doctor or hospital bills as long as Medicare approves the charges.

Simply show your Medicare Supplement Insurance Card to the doctor or hospital and it will all be taken care of for you. In fact, in most cases Medicare will send your claim directly to your Medicare Supplemental Insurance Company and they will process the claim without you ever having to do anything. When Medicare is unable to forward your claim, the hospital is required to do it for you. So you never have to worry about claims paperwork or hassles. You only need to compare Medicare Supplements and find the one that is right for you… and everything else is handled by your Medigap insurance.

We help you choose Medigap insurance with the philosophy that it is doctors who should decide your treatment, and insurance companies that pay the bills… and they should stay out of your doctor’s way when you are being treated.

So at Moscato & Associates, we only work with clients who don’t want an insurance company making important healthcare decisions for them and telling them what doctors or hospitals that they can go to or what treatments that they can have. We want you and your doctor to have complete freedom to choose the best treatment options possible for you and your family. And we want you to be able to choose whatever doctor, hospital, or specialized treatment center that you think is best for you and gives you the best chance of recovering and getting back to your life.

With a Medicare Supplemental Insurance Plan, you will have complete freedom to go wherever you want, anywhere in the country, as long as your healthcare provider accepts Medicare insurance – which means just about everywhere.

Where to get Medicare Supplement Insurance
Many companies offer Medicare Supplements, most people on Medicare can only name one or two of them. The reason is that only a few insurance companies advertise or issue direct mail to consumers. Most work through insurance agents like Moscato & Associates to educate the public, while they concentrate on providing the services of issuing policies and paying claims.

And since there are many companies in this field, by shopping around you are sure to find a company that is offering Medicare Supplements at lower rates. And since Medicare Supplement Insurance is standardized from one insurance company to the next, you can get the exact – or even better – coverage for less. But who has time to shop dozens of Medigap insurance companies?

Most people find that, by letting us do that shopping, they can save money on what they are currently paying, or get better coverage, without having to deal with information overload or high-pressure salespeople who come to your home and sell you what their insurance company is paying them to sell (not what’s necessarily best for you). With one simple phone call to Moscato & Associates you will talk to a licensed Medicare Supplement Insurance Specialist, who will be able to help you choose the right Medicare Supplemental Plan and ensure that you are saving money and paying fair and lower rates.

The Moscato & Associates Difference
We work for you, not the insurance company. We shop all the companies that offer Medicare Supplement Insurance and find the ones that are reputable and can live up to their promises for many years to come. Then, from the companies that pass our rigorous requirements, we use state-of-the-art technology to compare their Medicare Supplement rates and plans, and find the very best value for your particular situation.

We can review the results of our search with you right over the phone or in a personal meeting, either at your home or our office – whichever you prefer.

Pre-Existing Conditions
The simple truth is this: If you have had another Medicare Supplement Policy for at least 6 months, or if you’re new to Medicare and have been covered under a Group or Individual Major Medical Plan, then all pre-existing conditions will be covered immediately.

If you haven’t had such Medigap or other coverage for the past 6 months, and you do have a pre-existing condition or conditions, you can still be covered. A simple call to one of our Licensed Medicare Supplement Insurance specialists and you will know your options in a matter of minutes. In some cases we can get your pre-existing conditions covered, while in others there may be a short waiting period.

In any case, we will advise you of the absolute best possible course of action to get the treatment that you need. This is why we are here.


Moscato & Associates and Foresters Equity Services are separate and unaffiliated entities. 

Securities offered through Foresters Equity Services, Inc.  Member FINRA, SIPC. 

Branch Office located at 6640 Lusk Blvd. Suite A202, San Diego, CA 92121

950 Danby Road, Suite 102, Ithaca, NY is a not a branch office or an affiliated location of Foresters Equity Services, Inc.


Questions about Medicare supplemental insurance? Let us help you find the answers.
Call (607)-216-1450 or email