Find Products
Get familiar with the different types of Medicare Supplement plans on the market.
Buy Leads
Buy Medicare Supplement leads through IntegrityCONNECT leads.
Get Help
Have questions about what plans are competitive near you or working with Ritter? Connect with our Sales team!
Product Quick Facts
WHAT IS IT?
Medicare Supplement (Med Supp) plans are insurance policies sold by private insurance companies that supplement the coverage of those enrolled in Original Medicare.
WHEN TO SELL IT?
You can technically sell these plans all year, but here are some key times to sell:
Med Supp Open Enrollment Period (OEP): A six-month period that starts the first month a person is 65 or older and has Medicare Part B
Annual Enrollment Period (AEP): October 15 to December 7
All Year-Round: Special Enrollment Periods (SEPs) based on if they have a guaranteed issue right or experience another qualifying circumstance
WHY SELL IT?
Selling Med Supps can provide you with a steady stream of extra income year-round.
Medicare Supplement Sales Training Resources from Ritter!
The Ideal Client for Medicare Supplement Plans
Being able to recognize the perfect Med Supp candidates will allow you to know which clients would be more likely to enroll in a plan.
A Comprehensive Guide to Medicare Supplement Underwriting
Medicare Supplement underwriting may seem intimidating, but learning the what, why, and when of underwriting is the first step toward gaining more insight.
Getting Started Selling Medicare Supplements
From our experience, those who have a large, diverse portfolio, that includes multiple Med Supps, build the strong client relationships that allow their businesses to thrive.
Product Essentials
There are several types of Medicare Supp plans. Take a look at them below.
1Enrollees in high-deductible Plan G must pay for their Medicare-covered costs up to the deductible amount before the Med Supp begins to pay.
2Med Supp pays 100% of the Part B coinsurance, excluding copayments of up to $20 for some office visits and up to $50 for ER visits that don’t lead to inpatient admission.
3Upon meeting your annual out-of-pocket (OOP) limit and annual Part B deductible, the Med Supp pays 100% of all covered services for the remainder of the calendar year. OOP limits are for CY 2025, unless otherwise specified.
4Plan only available to those eligible for Medicare before January 1, 2020.
5Enrollees in high-deductible F must pay for their Medicare-covered costs up to the deductible amount before the Med Supp begins to pay. Only available to those eligible for Medicare before January 1, 2020.
Note: A check mark means the plan pays 100% of the benefit. Med Supp plans are standardized differently in MA, MN, and WI.
Source: Medicare.gov
Sales Advice
Want to learn how to effectively market Medicare Supplement plans? We can help you tap into a whole new client base.
When Do Med Supp Plans K, L, M, & N Make Sense?
- Medicare Supplement Plan Reviews
- Ideal Clients
What to Know When Replacing Existing Med Supp Plans for Clients
- Switching Medicare Supplement Plans
- Medical Underwriting
- Understand the “Free Look Period”
5 Steps to Selling Medicare Supplements Successfully
- Review Your Carriers’ Med Supp Agent Guides
- Have the Most Up-to-Date Rate Sheets & Applications
- Know If Your Carriers Offer e-Apps & Use Them
- Keep a Copy of Your Carriers’ Lists of Approvable & Non-Approvable Drugs on Hand
- Offer a Strong Selection of Plans
Guiding Your Clients Through Med Supp Underwriting
- What Is Underwriting?
- Why & When Carriers Underwrite Medicare Supplements
- Where to Look for Med Supp Carrier Underwriting Information
- Tips to Make Navigating Underwriting Easier
The Ideal Client for Medicare Supplement Plans
- Who Is Eligible?
- Finding the Ideal Clients for Med Supps
- Who Pays the Lowest Premiums for a Med Supp?
- Don’t Go Through It Alone
Compliance Guidelines
Marketing Medicare Supps isn’t as regulated as marketing Medicare Advantage plans, but there may be times you discuss both products with clients. Stay in the know!
What CMS Requires Medicare Agents to Discuss Prior to Enrollments
Make sure you discuss:- Medicare eligibility
- Premiums and cost-sharing
- Plan benefits and more!
Rules for Hosting a Compliant Medicare Educational Event
You don’t want to:- Provide or collect SOAs and/or enrollment forms
- Discuss any carrier-specific plan or benefits
- Schedule future appointments and more!
How to Stay Compliant During All Medicare Sales
Follow these rules to stay compliant:- Record marketing, sales, and enrollment calls
- Obtain permission to contact
- Secure SOAs 48 hours ahead of meetings
Do’s and Don’ts of Medicare Compliance
Do:- Wait until October 1 to begin marketing next year’s plans
- Identify and make a list of all vendors, contractors, and subcontractors you use
Don’t:
- Attempt to mislead your clients
- Share personal beneficiary data with other TPMOs
Industry Insights
Check out the latest things happening in the Medicare world.
Start Selling Med Supps