Medicare SELECT Plans

A Medicare SELECT plan is a type of Medigap plan that works like an HMO. You have to choose providers that belong to a network (except in cases of emergencies). Thus, Medicare SELECT plans may offer you a lower premium than the other types of Medigap policies. SELECT plan monthly rates can be lower by as much as 8 percent to 36 percent.

If you do not use an in-network provider where required, your Medicare SELECT plan will not pay and you will be responsible for the co-insurance that Original Medicare doesn't cover. Original Medicare will pay its share of approved charges as long as you use a provider that accepts Medicare.
 
Medicare SELECT policies are not available in all areas.

If you are 65 or older, have a Medicare SELECT policy and move out of the plan’s service area or network, you have the right to buy a new Medigap plan (a “guaranteed-issue” right). The plans you can choose from depend on where you live and which plans are sold in your area. Some states extend this guaranteed-issue right to people who are under 65.

Your guaranteed-issue right means that insurers cannot:

You have 63 calendar days after your SELECT policy coverage ends to buy a guaranteed-issue Medigap policy. You can apply for a Medigap policy as early as 60 calendar days before your SELECT policy coverage ends.

You may click on your state below to see if the insurance companies we contract with offer a Medicare SELECT Plan in your area. To get more information on network providers for a SELECT Plan in your area, please contact us.

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