Welcome to Medicare Supplement
MHP Community Medicare Supplement plans provide coverage that is comprehensive and convenient and include virtual care using McLarenNow. See a board-certified physician using secure video anytime – from anywhere in the United States – on your smartphone, tablet or computer with a webcam. With affordable premiums, no referrals and access to any provider who accepts Medicare, a Medicare supplement plan from MHP Community is a smart choice.
What is Medicare Supplement Coverage?
A Medicare supplement plan works with Original Medicare coverage, and depending on the plan, covers all or a part of your Medicare deductibles and coinsurances.
A supplement plan, also referred to as Medigap coverage, is health care coverage that is in addition to Original Medicare. A supplement plan helps to fill in the “gaps” in coverage in Original Medicare.
A supplement plan works in conjunction with Original Medicare Part A (hospital) and Part B (medical) to help cover certain costs Original Medicare does not. It can offer significant benefits, and it can lower your out-of-pocket costs. As your primary health coverage, Original Medicare provides hospital and medical coverage, but it does not cover all health care costs. Before Medicare pays any benefits, there are deductibles that you must pay. For some services, you also have to pay coinsurance. Medicare also limits coverage for certain services. Depending on the plan you select, a supplement plan can cover all or a portion of your Medicare deductibles and coinsurances.
There are standard plans that health plans can offer, including high deductible plans. The standard plans are A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. MHP offers Medicare supplement options for Plans A, C, D, F, F-HD, G, G-HD or N. Note: Plans C, F, and HD-F are only available to those eligible for Medicare prior to Jan. 1, 2020 and may be subject to underwriting.
All plans include these basic essentials:
- Hospitalization: Part A coinsurance plus coverage for 365 additional days after Original Medicare benefits end
- Medical expenses:
- Part B coinsurance (generally 20% of Medicare-approved expenses) or copays
- Plans K, L and N require insured to pay a portion of Part B coinsurance or copayments
- Blood: First three pints of blood each year
- Hospice: Part A for inpatient respite care and copays for prescription drugs
Premium Information
For McLaren Medicare Supplement plans, certain factors may affect your monthly premium cost. We base your premium on where you live, your age and gender, and if you use tobacco products. A family discount may be available if another person in your household currently has a McLaren Medicare Supplement plan or if you decide to enroll with the same effective date.
Please note: If you are submitting your application during a Special Enrollment Period, your rate will not be affected by your tobacco use, weight, height, receipt of health care or medical condition. We may change your premium if you move out of state. Other than premium adjustments due to age or relocation, we can only raise your premium if we raise the premium for all policies like yours. Your coverage will be automatically renewed each year, as long as you pay your premiums. Disenrollment will occur if you do not pay your premiums.