Supplemental Health Care Coverage

Get a quote today and see how The Ahlbum Insurance Group can save you money.

Saving You Money On Supplemental Health Care Is Our Mission

Health Care costs can easily exceed your insurance coverage. That’s where Supplemental Plans come in. We are here to save you money while providing the most complete coverage possible.

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Medicare Part A (Hospital Insurance)

  • Helps cover inpatient hospital care.
  • Helps cover skilled nursing facility care, hospice, and home health care.
  • Patients are responsible for deductible for hospital confinement.
  • Patients are also responsible for a co-payment after 20 days of skilled nursing confinement

Medicare Part B (Doctors)

  • Helps cover doctors’ services, hospital outpatient care, and home health care.
  • Helps cover various preventive services to help maintain a healthy lifestyle.
  • Help pay for durable medical equipment.
  • Patients are subject to yearly deductible under part B.

Medicare Part C (Medicare Advantage Plans) (HMO)

  • Medicare advantage plans are health plans run by Medicare-approved private insurance companies.  Medicare advantage plans take over your Medicare and include Part A, Part B, and usually other coverage like prescription Drug coverage.
  • These plans carry a doctor network and only allow you to see doctors within the plan.

Medicare Part D (Medicare Prescription Drug Coverage)

Part D helps with your prescription drug coverage on different Medicare plans.  These plans are offered by insurance companies and private companies that are approved by Medicare.

  • Helps cover the cost of prescription drugs.
  • May help lower your prescription drug costs and help protect against higher costs in the future.

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Are you interested in keeping your premium costs low?
Are you in reasonably good health?
Are your visits to the doctor infrequent?
Do you fave the financial ability to pay out of pocket expenses?
Do you prefer to use insurance premium savings for other needs?

If you answered “yes” to more than one of these questions, an HDF Medigap plan might be the right choice for you.

Medigap Plan HDF

Medicare Supplement Plan HDF also known of High Deductible Plan F is rapidly growing in popularity among the available Medigap Plans. The Plan HDF has the exact same benefits as a traditional plan F. The plan includes all of the basic benefits associated with Original Medicare, 100% of the Part B coinsurance, Additional days for Skilled Nursing, the Part A hospital deductible, the Part B deductible, Part B doctor excess charges, as well as Foreign Travel Emergency coverage. However the Plan comes with a $2,180 annual deductible. So with this plan you are responsible for the 20% Medicare charges up to the amount of the deductible. Once the deductible is met the policy pays everything 100% just like a traditional Plan F. If you stay very healthy and don’t have very many claims during a year then you will save a significant amount of money as the Plan HDF is much lower in premiums from month to month.


  • Basic Benefits Part A (hospital) Co-insurance
  • Part B (physician) Co-insurance (generally 20% of outpatient expenses)
  • 365 additional days for hospital coverage
  • Blood deductible coverage (the cost of the first three pints of blood)
  • *Part B Excess Charges
  • *Skilled Nursing Co-insurance
  • *Foreign Travel Emergency Care

*Benefits only paid 100% after the annual deductible for the plan has been satisfied $2,370 in 2021.

Get A Quote For Your HDF Medigap Plan And See How The Ahlbum Group Can Save You Money


Saving You Money On Supplemental Health Care Is Our Mission

Call for a free quote now!


2000 Banks Road, #209
Margate, FL 33063