Medicare Supplement Insurance

Coverage to fill in the gaps

Why Lumico Medicare Supplement?

We offer Medicare Supplement insurance - one of the most commonly needed health insurance products for people who are 65 or older. This type of insurance complements your Original Medicare (Part A and B) by helping to cover medical expenses, while giving you the freedom to choose your own medical providers.

We offer plans from:

Lumico

underwritten by 
Lumico Life Insurance Company 

Lumico Medigap Solutions

underwritten by 
Elips Life Insurance Company 
It’s the same great product, but the company varies by the state you live in.

What Medicare Supplement covers:

Benefits

Plan A

Plan F1

Plan G

Plan N

High Deductible Plan G2

Basic Benefits3
(including hospice)

Part B coinsurance

Part A coinsurance

Skilled nursing
facility coinsurance

Foreign travel
emergency

Part B excess charges

Part B deductible

For more coverage information, please download a copy of our Fact Sheet. 

Did you know?

Medicare Part B only covers 80% of your outpatient medical care or doctor visits.
Our Medicare Supplement plans can help pick up the remaining costs.

With Medicare Supplement, there are no network restrictions. You can see and select your own physicians without referrals as long as they accept Medicare patients.

6 in 10

adults have chronic disease4

$11,300

is the average annual health care cost for people age 65+5

85%

of health care costs are for diabetes and heart disease4

1Plan F is available only to individuals that became eligible for Medicare before January 1, 2020.
2For High Deductible Plan G you must pay for Medicare-covered costs up to the deductible amount of $2,370 before your Medigap plan pays anything.
3Basic benefits include Part A coinsurance, Part A hospice care coinsurance or copayment, Part B coinsurance or copayment, and first three pints of blood per year.
4
cdc.gov, June 9, 2022; 5registerednursing.org, January 8, 2020

Exclusions or limitations may apply. Plan availability varies by state. Premium and benefits vary by plan selected. For complete details of the coverage, please contact your
insurance agent.

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