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.

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.

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).

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.

Meet our team

Our local team is ready to assist you.

Julie Ann DeLoriea
Cindy Shields
Felicia Wilson

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.

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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.

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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.

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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.

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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.

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

  • You can get help paying those out-of-pocket costs not covered by Medicare Part A and Part B, including prescription drug coverage.
  • You can have coverage while you travel anywhere in the United States.
  • You can choose your own doctors and hospitals from anywhere in the United States, as long as they accept Medicare patients, and virtually no referrals are needed to see a specialist.


Related Articles

Contact us

Request your complimentary consultation.


Additional helpful resources

Helpful Resources for Medicare Enrollment

Social Security Administration

Railroad Retirement Board

  • When can I purchase a Medicare Supplement Insurance Plan?
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    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.

  • How do I sign up for a Medicare Supplement Insurance Plan?
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    For more information on how to join, contact 1-833-291-1309.

  • Can I make changes to my Medicare Supplement Insurance coverage?
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    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.

  • How can I obtain a copy of 'Medicare & You,' the official guide to Medicare?
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    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 website.

  • Do I need Original Medicare or a Medicare Advantage plan if I have coverage through the VA?
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    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.

  • I like my current Medicare Advantage plan. Do you have tips on making the most of it?
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    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

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 or 1-800-MEDICARE to get information on all your options.

Each insurer has sole financial responsibility for its own products.