Protecting Your Savings with Reliable Medicare Supplement Insurance
Original Medicare is an excellent foundation for your healthcare, but it was never designed to pay for everything. In fact, Medicare Part A and Part B typically cover about eighty percent of your approved medical costs, leaving you responsible for the remaining twenty percent in the form of deductibles, co-payments, and coinsurance. Because Original Medicare has no annual out-of-pocket maximum, a serious illness, an extended hospital stay, or a need for chronic care could easily drain the retirement savings you spent a lifetime building. To bridge this financial gap, Sonya Thomas helps clients explore the security and predictability of Medicare Supplement Insurance, also known as Medigap.
One of the most celebrated advantages of a Medicare Supplement plan is the ultimate freedom of choice it provides. Unlike other types of insurance that restrict you to a local network of doctors and hospitals, a Medigap policy allows you to see any healthcare provider in the United States who accepts Original Medicare. If you want to visit a world-renowned specialist in another state, or if you plan on traveling extensively during your retirement, your coverage travels right alongside you. You also never have to worry about securing a referral from a primary care physician before seeing a specialist, putting you in complete control of your own healthcare decisions.
While the federal government standardizes Medigap plans—meaning a Plan G from one company offers the exact same medical benefits as a Plan G from another company—the monthly premiums can vary drastically between carriers. You should never pay more than necessary for the exact same coverage. As an independent broker, Sonya Thomas shops the top-rated insurance carriers in the market on your behalf. We analyze rate stability, customer service records, and premium costs to find you the absolute best value. We help you cap your medical expenses, replacing the fear of unpredictable medical bills with the deep peace of mind you deserve.