This type of plan is used in addition to Medicare Parts A & B. It will help to lower your out of pocket costs and help to fill in the "gaps" in coverage under Medicare Parts A & B. Please remember that as you are approaching age 65, or once you have applied for Part B under Medicare, contact our office for information on a Medicare Supplement. Your "insurability" under a Medicare Supplement is guaranteed only during the six month window following the first day of the month in which you are both age 65 AND enrolled in Medicare Part B. During that six months an insurance company can not deny you insurance coverage or charge you a higher premium because of your health history or any "pre-existing problems". If you wait until after that six month window you may not be able to purchase a Medicare Supplement. Please contact our office before you turn age 65 to discuss your options.