Is a Medicare Supplement Plan Right for Me?
Medicare Supplement plans work with Original Medicare to help pay your medical costs.
For example, Medicare Part A covers most hospital expenses, and Part B covers some medical expenses. But you're still left with out-of-pocket expenses to pay.
With a Medicare Supplement Plan from Excellus BlueCross BlueShieldUnivera Healthcare you have peace of mind knowing that most of the out-of-pocket expenses left by Original Medicare are taken care of. That's reliable coverage you can depend on. There are certain circumstances where a Medicare Supplement Plan might be the right type of plan for you:
Travelers & Snowbirds
I travel often or live in different regions for parts of the year, and I need to visit doctors everywhere.
With a Medicare Supplement plan, you'll have the peace of mind that your coverage is accepted by doctors that take Medicare nationwide.
I want an easy-to-use plan with claims filed automatically.
Medicare Supplement plans have automatic claims filing - which means virtually no paperwork for you.
Choice of Doctors
I want a plan that doesn't require referrals to see specialists.
With a Medicare Supplement plan any doctor who accepts Medicare will accept your plan.
Challenging Health Needs
I want coverage for as many costs as possible because of my health needs.
A Medicare Supplement plan gives you the security of knowing out-of-pocket costs for Medicare-covered services will be limited.
Keep In Mind
Medicare Supplement plans do NOT include prescription drug coverage.
If you require prescription coverage, you will need to purchase a Medicare Prescription Drug Plan (Part D) in addition to a Medicare Supplement plan. Call us for options.
Is a Medicare Advantage Plan a better fit for me?
Medicare Advantage plans combine Part A & Part B into a single plan.
Helps pay for hospital stays and inpatient care
Helps pay for doctors visits and outpatient care
Medicare Advantage plans generally include copays and/or coinsurance for benefits. They usually have prescription drugs, preventive dental services, and routine vision and hearing services that are not included in Medicare Supplement plans.
The Medicare Supplement plans described are underwritten by Excellus Health Plan, Inc., which does business as Excellus BlueCross BlueShieldUnivera Healthcare.
The purpose of this website material is the solicitation of insurance.
These policies (EXC-83, EXC-85, EXC-86, EXC-87, EXC-88, EXC-89, EXC-100, EXC-101) meet the minimum standards for MEDICARE SUPPLEMENT INSURANCE as defined by the New York State Department of Financial Services. The expected benefit ratio for the policies is 85.5%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.
IMPORTANT NOTICE - A CONSUMER'S GUIDE TO HEALTH INSURANCE FOR PEOPLE ELIGIBLE FOR MEDICARE MAY BE OBTAINED FROM YOUR LOCAL SOCIAL SECURITY OFFICE OR FROM THIS INSURER.
Excellus BlueCross BlueShieldUnivera Healthcare is not connected with or endorsed by the State of New York, the federal government or the federal Medicare program.