Medicare Supplement Insurance Plans | RBFCU - Credit Union

Medicare Supplement Insurance Plans | RBFCU - Credit Union
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Get
Medicare Supplement Insurance Plans
Medicare can seem complex. Let us help you navigate it.
Through multiple insurance carriers,
RBFCU Insurance Agency
offers
Medicare Supplement Insurance (Medigap)
and
Medicare Advantage Plans
to help you with unexpected medical costs, including those not covered through Original Medicare.
Get started
|
Meet our team
|
Explore services
|
Upcoming events
|
Learn about plans
|
Read more
|
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|
FAQs
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 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
.
Meet our team
Our team is ready to assist you.
Julie Ann DeLoriea
Program Manager - Licensed Insurance Agent
Contact Julie
Cindy V. Shields
Licensed Insurance Agent
Contact Cindy
Felicia Wilson
Medicare Coordinator
Contact Felicia
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 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
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
Common Mistakes to Avoid During Medicare Open Enrollment
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→
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Helping Family Members Navigate Medicare Enrollment Periods
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→
Read More
65 and Still Working? Get Medicare Enrollment Insights
medicare
→
Read More
Contact us
Request your complimentary consultation.
Additional helpful resources
Helpful Resources for Medicare Enrollment
We’ve compiled this list of helpful Medicare resources.
Social Security Administration
1-800-772-1213
ssa.gov
Medicare
1-800-633-4227
medicare.gov
TRICARE for Life
1-866-773-0404
tricare.mil/Plans/HealthPlans/TFL.aspx
Railroad Retirement Board
1-877-772-5772
rrb.gov
FAQs
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.
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?
+
-
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?
+
-
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
.
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 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?
+
-
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 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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Health Care Insurance Plans
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This page was last updated in January 2025.
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.
1
”What Does Medicare Cost?”
Medicare.gov,
Retrieved December 4, 2024.
https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/what-does-medicare-cost
.
RBFCU Insurance Agency 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.
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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