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We promise to give you quality health insurance at an affordable cost.

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Childres Insurance Group is dedicated to a no-nonsense approach to health insurance. We focus on giving you the insurance you need in a timely and cooperative manner.

Seniors

Medicare is a federal health insurance program for people 65 years of age or older. It pays for much of your health care, but not all of it, such costs could be, prescription drugs, deductibles, coinsurance.

Medicare Supplements are a health insurance policy sold by private heath insurance companies to fill the "gaps" in Medicare coverage. For more information or to get a quote, fill out our online Medicare quote form.

What is a Medigap policy

A Medigap policy (Medicare Supplemental Insurance) is health insurance sold by private insurance companies to fill the ýgapsý in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesnýt 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.

Insurance companies can only sell you a ýstandardizedý Medigap policy. These Medigap policies must all have specific benefits so you can compare them easily.

You may be able to choose up to 12 different standardized Medigap policies (Medigap Plans A through L). Medigap policies must follow Federal and State laws. These laws protect you. A Medigap policy must be clearly identified on the cover as ýMedicare Supplement Insurance.ý Each plan, A through L, has a different set of basic and extra benefits.

Itýs important to compare Medigap policies because costs can vary. The benefits in any Medigap Plan A through L are the same for any insurance company. Each insurance company decides which Medigap policies it wants to sell.

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 wonýt cover any health care costs for your spouse.

PDF Version of Government Information On Medigap and Medicare (Close Page to Come Back Here) Click Here