Medicare Supplement Insurance Plans
Medicare can seem complex. Let us help you navigate it.
Through multiple insurance carriers, RBFCU Investments Group offers Medicare Supplement Insurance (Medigap) and Medicare Advantage Plans to help you with unexpected medical costs, including those not covered through Original Medicare.
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Discover how we can help you
When you’re ready, we’re here to help you take your next step.
It’s important to enroll in original Medicare when you’re eligible to avoid potential penalties. But it’s also important to take time to consider solutions for filling the financial gap between what Medicare covers and what your health care costs might prove to be.
Get started
Make an appointment with our team of local, licensed insurance agents to discuss your needs and options. You can also contact us for more information. Our office is open Monday through Friday, 8:30 a.m. – 5:00 p.m.
Get to know us
Explore the services we offer RBFCU members and non-members considering Medicare Supplement Insurance and Medicare Advantage Plans. We’re available year round, including during Medicare Open Enrollment Period (October 15 – December 7).
Get insights
Take a closer look at the topic of Medicare Supplement Insurance Plans, including our list of frequently asked questions (FAQs). We’re here to help you make informed choices at no additional cost.
Explore the services we offer
We’re here for every step of your Medicare enrollment process.
For no additional cost, our knowledgeable, friendly licensed insurance agents can help you understand your choices and identify the coverage options that fit your needs — and your budget.
Initial Appointment
When you meet with us, we’ll learn about your specific needs to help you identify the coverage options that fit your budget.
Research
With the needs of RBFCU members like you in mind, our team shops multiple insurance carriers to find the most cost-effective coverage for you.
Ongoing Service
Our local, licensed insurance agents are available year-round to answer any questions you have.
Whether you’re newly eligible for Medicare or shopping around for a plan, we can help.
Annual Enrollment
Schedule your meeting with our team during the Medicare Annual Open Enrollment Period (October 15 – December 7) to select the plan (including prescription drug coverage) that fits your needs for the coming year.
You’re invited!
Attend our Medicare Made Easy seminars and insurance sales presentations
We periodically offer educational events and insurance sales presentations to help you learn about Medicare, starting with the basics.
During these in-person seminars, our agents walk you through what you need to know to make the best coverage choices to meet your needs.
Learn about Medicare Supplement Insurance Plans
Choosing supplement health insurance is an important financial decision.
You probably know that Medicare acts as a basic health plan. But did you know that many participants have additional out-of-pocket expenses? To give you a sense of what expenses you might be expected to pay, let’s look at what is covered by Medicare Part A and Part B.
Medicare Part A and Part B: Quick Comparison
Medicare Part A (Hospital Insurance)
Medicare Part A (Hospital Insurance)
helps pay most fees for hospital stays, except Part A deductibles, coinsurance amounts and doctor services.
Those expenses can include:
- Inpatient care in a hospital
- Skilled nursing facility care
- Nursing home care (inpatient care in a skilled nursing facility that's not custodial or long-term care)
- Hospice care
- Home health care
Medicare Part B (Medical Insurance)
Medicare Part B (Medical Insurance)
pays about 80% of your medical expenses, after the annual deductible is met.1
Those expenses can include:
- Regular doctor visits
- Emergency medical services
- Lab work
- Imaging
- Specialist appointments
- Chemotherapy … and more.
Additional reasons to consider a Medicare Supplement Insurance Plan
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Additional helpful resources
Helpful Resources for Medicare Enrollment
Social Security Administration
Medicare
TRICARE for Life
Railroad Retirement Board
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When can I purchase a Medicare Supplement Insurance Plan?
You can buy a Medicare Supplement Insurance (Medigap) Plan any time after you turn 65 and join Medicare Part B. If you enroll in an insurance plan during your Medicare Open Enrollment Period, the first 6 months your Part B is active, your medical history is not considered in setting your premium.
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How do I sign up for a Medicare Supplement Insurance Plan?
For more information on how to join, contact 1-833-291-1309.
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Can I make changes to my Medicare Supplement Insurance coverage?
You can drop your policy and apply for another Medicare Supplement Insurance Plan at any time. However, after your Medicare Open Enrollment Period ends, insurers can refuse coverage or charge you a higher premium based on your health and/or make you wait to get coverage for an existing illness.
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How can I obtain a copy of 'Medicare & You,' the official guide to Medicare?
The “Medicare and You” handbook is printed and mailed to all Medicare-eligible households in late September each year. You can, however, download or request replacement copies in different formats and languages via the Medicare.gov website.
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Do I need Original Medicare or a Medicare Advantage plan if I have coverage through the VA?
The VA encourages individuals with VA health care benefits to sign up for Medicare as soon as you can (e.g., when you turn 65) for several important reasons. Our local, licensed insurance agents are well-versed in this and other Medicare topics and they can answer your specific questions. Schedule your no-cost, no-obligation appointment to speak with them today.
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I like my current Medicare Advantage plan. Do you have tips on making the most of it?
To be sure you’re getting the most from your Medicare Advantage plan, there are a few things you can do. Review changes to your additional benefits each year, as in some years, costs may increase or decrease or there may be changes to which providers the plan partners with for those services. Check to see if your plan offers a rewards program offering incentives for things you’re doing already (e.g., attending your annual wellness exam). Additionally, learn if your plan offers fitness benefits (e.g., gym memberships or exercise equipment) and/or over-the-counter benefits that provide an allowance for use in their online store or in your local pharmacy for over-the-counter vitamins and medications.
Our local, licensed insurance agents are well-versed in this and other Medicare topics and they can answer your specific questions. Schedule your no-cost, no-obligation appointment to speak with them today.
Page last updated April 2024
Not connected with or endorsed by the United States government or the federal Medicare program. This is a solicitation of insurance. A licensed insurance agent/producer may contact you.
1Part B costs: How much does Part B cost?. (n.d.). Retrieved April 3, 2024, from https://www.medicare.gov/basics/costs/medicare-costs
RBFCU Investments Group LLC is a wholly-owned subsidiary of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU).
Medicare Supplement Insurance Plans, or Medigap Insurance Plans, and Medicare Advantage Plans are offered by certain agents of Randolph-Brooks Federal Credit Union (RBFCU) through PTT Financial, LLC, and not through or in association with Ameriprise Financial Services, LLC. Ameriprise Financial Services, LLC is not affiliated with PTT Financial, LLC.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
Each insurer has sole financial responsibility for its own products.
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