As individuals age, medical expenses tend to increase, and health conditions may develop that require ongoing medication, tests, and doctor visits. Professionals who work with the senior market must be prepared to discuss the many health care and health insurance options that are available to this group. Central to these options are Medicare and Medicare supplement (Medigap) insurance.

This course explains today's Medigap insurance plans and offers a practical understanding of how these plans can bolster a senior's health insurance program by supplementing the coverage provided by Original Medicare.

Upon completion of this course, students will be able to:

• understand the basics of Medicare and the coverage gaps it contains
• explain the purpose of Medicare supplement (Medigap) policies
• describe how recent changes in federal law have influenced Medicare standard plans and Medigap policies
• know the provisions of each of the modernized Medigap policies in terms of their coverage and benefits
• cite the special requirements governing underwriting and issuance of Medigap policies
• understand their role and ethical responsibilities in soliciting Medigap insurance policies and making suitable recommendations for prospects and clients