Medicare Supplement Insurance Agent – Sacramento

Medicare Supplement Insurance plans are also known as Medigap plans. They are sold by private insurance carriers and are standardized. Every Medigap plan must follow Federal & State laws designed to protect you. All policies offer the same basic benefits but some companies offer additional benefits. As a Medicare Supplement Insurance Agent serving Sacramento, I can explain your options and give you the power to choose the plan that best suits you!

You must be enrolled in Medicare Part B to enroll in a Medigap plan.


Out of Pocket Limit for 2016 for plan K is $4,960 & and for plan L is $2,480.

* Plan F is also offered as a high-deductible plan by some insurance companies in some states. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the deductible amount of $2,180 in 2016 before your policy pays anything.
**For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($166 in 2016), the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** 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 an inpatient admission.

When’s the best time to buy a Medigap policy?

The best time to buy a Medigap policy is during your 6-month Medigap open enrollment period, because you can buy any Medigap policy sold in California, even if you have health problems. This period automatically starts the month you’re 65 and enrolled in Medicare Part B (Medical Insurance). After this period your options are more limited and may cost you more. Talk to your Medicare Supplement Insurance Agent serving Sacramento for more information.

Part D

Prescription Drug coverage is also known as Part D. You are eligible for Part D if you are on Medicare. Part D coverage is offered through private insurance companies. There are differences in premiums, deductibles and formularies.
Based on the prescriptions you are currently taking, I can help you weed through the plans and find the best option for you to fit your budget.
You have two basic options to enroll in Part D:

  • Through a “stand-alone” plan (PDP) that offers only drug coverage. This type is mainly intended for people who choose to receive their other health benefits from the traditional Medicare fee-for-service program.
  • Through a Medicare Advantage plan (MA-PD) that covers both medical services and prescription drugs. This type is for people who choose to receive all their health care services in one package.

Call Caroline J Dunlop
Medicare Supplement Agent


for a Free Consultation

Independent Insurance Agent
(916) 849-5606

I will take the time to explain the difference in plans.