Supplemental Insurance
Medicare Supplement Insurance Plans
Medicare helps cover healthcare costs for older Americans and certain disabled individuals, but it doesn’t cover everything. That’s where Medicare Supplement (Medigap) insurance comes in.
At Eriksen Insurance Group, we offer affordable and reliable Medicare Supplement plans from Blue Cross and Blue Shield of Illinois—a trusted leader in Medicare coverage. These plans provide comprehensive benefits and cost-saving options, including:
✔ Competitive rates that help you save money compared to other plans
✔ Discounts for prior Blue Cross coverage and for family members on the same plan
✔ Freedom to choose your preferred doctors and hospitals without network restrictions
Why We Only Offer Medicare Supplement Plans
At Eriksen Insurance Group, we do not offer Medicare Advantage plans. We believe Medicare Supplement plans provide greater flexibility, stability, and value for our clients, ensuring you receive the best possible coverage without unexpected limitations.
Let us help you find the right Medicare Supplement plan to fit your needs. Contact us today!
Medigap
Also known as Supplemental Insurance
Medicare Supplemental Insurance (Medigap) provides coverage for benefits not covered by Medicare. You are able to choose from several different standardized Medigap policies. The benefits in any Medigap Plan are the same for any insurance company, though the pricing will be different per each company.
A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs.
Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medigap insurance company.
You and your spouse must each buy separate Medigap policies. Your Medigap policy won’t cover any health care costs for your spouse.
