In South Burlington, Vermont, Medicare beneficiaries make up 13.3% of the residents. Of the city’s population, 17.4% are 65 or older, and 7.1% are under 65 with a disability.
South Burlington, Vermont Supplemental Medicare Plans
Original Medicare coverage doesn’t pay for dental, hearing, or vision care and requires the consumer to pay deductibles and coinsurance. Supplemental Medicare plans are available to consumers to help pay these out-of-pocket expenses and fill the gaps in traditional Medicare coverage.
Supplemental plans available to residents in South Burlington include Medicare Advantage, Medicare Supplement plans (Medigap), and Medicare Part D. We based the provided quotes on a 65-year-old male.
Cheapest Medicare Advantage Plans in South Burlington, Vermont
In Vermont, 18.4% of Medicare beneficiaries have Medicare Advantage, also known as Medicare Part C. Currently, 17 Medicare Advantage plans are available in South Burlington.
Vermont Blue has a Unity HMO plan with a $0 monthly premium and $6,600 maximum out-of-pocket (MOOP) cost. The plan comes with a $50 allowance for over-the-counter drugs each quarter and a $0 copay for primary care doctor visits. Telehealth coverage is also available with a copay as low as $0.
The Medicare Advantage HMO plan from UnitedHealthcare is $0 monthly and has a $0 copay for your primary care provider or a $35 copay for specialist visits. The plan has a $6,700 MOOP and $0 copay for Tier 1 prescription drugs.
In South Burlington, Vermont, Medicare Advantage plans from MVP Health are available with a $0 premium and a $0 copay for Tier 1 drugs. Tier 1 and 2 drugs have no deductible, while Tiers 3, 4, and 5 have a $250 deductible. The plan provides a yearly allowance for hearing aids, eyewear, and dental care.
|PLAN||PREMIUM||MOOP||PLAN TYPE||STAR RATING|
|MVP Health||$0||$6,700||LOCAL PPO||4|
|MVP Health||$0||$7,550||LOCAL PPO||4|
Affordable Medicare Supplement Plans in South Burlington, Vermont
South Burlington, Vermont, Medicare beneficiaries with recurring medical expenses can save money by adding a Medicare Supplement plan (Medigap) to their coverage. The 12 Medigap plans, lettered A through N, provide various benefits to compensate for traditional Medicare coverage gaps.
Plan C is one of the top plans in South Burlington, Vermont. Medicare beneficiaries choose this plan because it covers all out-of-pocket costs except for Part B excess charges. The monthly premium is $183.51 to $381.02. You must have been eligible for Medicare before January 1, 2020, to enroll in Medigap Plan C.
If you want to go a level lower, Plan D covers the same expenses as Plan C except for the Part B deductible ($233). The premium ranges from $160.99 to $363.46 monthly.
For a more affordable option, the monthly premium for Plan N is $119.01 to $209.34. Plan N has the same coverage as Plan D but has copayments for Medicare Part B expenses. The copay for doctor visits is $20, and the copay for emergency room care is $50.
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
Average Medicare Part D in South Burlington, Vermont
Original Medicare Parts A and B don’t provide coverage for prescription drugs, but you can add Part D to your original plan or get a Medicare Advantage plan that includes it. The plans below are standalone Medicare Part D policies for prescription drug coverage.
We have the Humana Part D plan with a $22.70 monthly premium in the middle of our cost range. The deductible for drugs in Tiers 1 and 2 is $0, while Tiers 3, 4, and 5 have a $480 deductible. Tier 1 drugs have a $0 copay from preferred retail pharmacies.
The cheapest Part D plan is Aetna SilverScript SmartRx, with a $7.40 premium. Tiers 2 through 5 have a $480 deductible, but Tier 1 drugs have a $0 deductible. In preferred pharmacies, prescription drug copays can be as low as $1.
UnitedHealthcare offers a Part D plan with a $29.30 premium and $0 copay for Tier 1 drugs. The deductible is $0 for Tier 1 and $310 for Tiers 2 through 5. The plan partners with Walgreens to provide cost savings if you choose one of their locations for filling your medications, including $15 off all prescriptions.
How do I apply for Medicare in South Burlington, Vermont, at age 65?
You are eligible to enroll for Medicare three months before you turn 65.
You can enroll in Part A and Part B on Medicare.gov or Part C and Part D through private insurance companies.
Do Medigap premiums go up every year in South Burlington, Vermont?
Yes, they typically increase over time in South Burlington. The monthly premiums for Medigap policies are subject to inflation and other factors affecting healthcare costs.
How are Medigap rates determined in South Burlington, Vermont?
Insurance companies in South Burlington, VT, determine the rates of their Medigap plans in three ways:
- Community-rated (same price for all ages)
- Issue age-rated (depends on the age you are when you purchase the policy)
- Attained age-rated (increases with age)
What is the Medicare Savings Program in South Burlington, Vermont?
With the Medicare Savings Program, Vermont can help cover Part A and Part B medical expenses for qualified beneficiaries. Typically, the program helps pay monthly premiums but could cover deductibles and copayments.
Can Medigap charge more for pre-existing conditions in South Burlington, Vermont?
Medigap insurance companies can charge more or require a waiting period for pre-existing conditions in South Burlington, Vermont. Medicare Supplement policies might have a waiting period of up to six months before providing coverage for your pre-existing conditions.
How To Sign Up for Supplemental Medicare in South Burlington, VT
If you’re looking for supplemental Medicare coverage in South Burlington, Vermont, our licensed agents can help. They’ll work with you to find the best policy at the best price.
Call us today. Or fill out our online rate form on Medigap.com today and let us help you get started!