November 18Your helping aid Medicare supplement plan
Medicare supplement plans or Medigap is the private health insurance plans that are for those people who already have a Medicare policy. The Medigap or Medicare supplement plans helps the Medicare beneficiaries to bear that extra medical cost that are left aside by the original plans. The name Medigap is suggested because it is believed that these policies bridges the gap between the Medicare coverage and the original expenses or the total bill charged. However in the recent studies it is seen that in the United States about 18% of the people having original Medicare policy goes for the supplement plans also.
Medicare supplement plan is your helping aid to pay off the excess of your medical bill that is left aside by the original Medicare plan. As the name suggests, it is a supplement plan that is bought along with an original Medicare plan. In an original plan there always remains a gap and it cannot pay for the total bill charged. Therefore there is the need for a supplement plan to clear off your dues. It actually bridges the gap between the policy coverage of the original plan and the total bill charged. Therefore a supplement plan is always needed for you if you need to get full medical coverage from your insurance plan.
It is to be noted that the Medicare supplement plans of Medigap plans are totally sold and administered by the private companies and the government has no hand in it. But there are still some preset rules that are to be followed by every company. As for example the companies can only offer 12 standard Medigap plans named A through L. And it is also to be mentioned that the plans under the same letter cover is bound to provide same benefits irrespective of the companies selling them. All that could differ is the amount of insurance premium nothing else. Therefore here in this article let us have a look on some of the benefits provided by the Medicare supplement plans under their letter covers. Part A Medigap plan is your hospital insurance. To go for a Medicare supplement plan a person is required to be enrolled in part A and B of original Medicare before they can go for a medigap policy. A person may obtain a Medigap plan on a guaranteed issue basis during the open enrollment period, which begins within 6 months of turning 65 or enrolling in Medicare Part B at 65 or older.
Part C is that part of the insurance coverage or such a Medicare supplement plan that combines both Part A and B coverage. It also provides some additional services. The Part C Medicare supplement plan is offered only through Medicare approved private insurance companies. The Part D Medicare supplement plan is for your prescription drug coverage. It helps you pay for the medications prescribed by your doctor. In this case it is to be mentioned that the policyholders who enroll themselves for standalone Part D plan may not retain the drug coverage portion of their Medigap policy. But the beneficiary may choose to remove drug coverage from their current Medigap policy and retain all other benefits.
November 18The best medicare supplement plans for you
It is however known to all that the health insurance or the Medicare insurance plans are made to pay for the costs that you may need to bear in the course of your lifetime. Usually the Medicare plans are for men and women of 65 years of age and older. But the fact is that even if you are having an Original Medicare policy, it is not going to pay for all your medical costs. There always remain some gaps between the policy coverage of the Original Medicare coverage and the actual cost payable therefore there is the need of having a Medicare supplement Plan so that you may not have to bear those extra costs that are left behind by your original Medicare plan. Medicare Supplement Plans are supplementary insurance plans sold by the private insurance companies to fill up those gaps left behind by the Original Medicare policies. It is perhaps for this reason these plans are also known as the Medigap policies. In the recent studies it is seen that about 18% of Americans are going for the Medicare Supplement Plans along with their Original Medicare policies.
There are twelve standard Medigap policies. These policies are under the total administration of the private insurance companies. All of the Medigap policies from A through L have their own set of benefits. But along with that it is to be remembered that the Medicare Supplement Plans under the same letter cover should provide the same benefits irrespective of the company selling them. Therefore from whatever company you may purchase the Medicare Supplement Plans you are going to get the same benefits. But the amount of premium may vary with each company.
It is however needed that you go through all the offer documents of all the policies before you may choose the right one for yourself. In that case you may need to seek the help of some insurance agent so that he may guide you through the plans and help you choosing the right one. Insurance agents are much more aware about the pricings of the premiums of the different insurance companies, therefore seeking the help of an insurance agent can prove to be much helpful for you. Moreover it should be kept in mind that the Medicare Supplement Plans do not work with the Medicare Advantage plans therefore if you are already having Medicare Advantage plan you cannot enroll yourself for any Medicare Supplement Plan unless you switch over to the Original Medicare.
Choosing the right Medicare Supplement Plan is very much essential. The fact is that almost all the Medigap policies provides the basic benefits of the Plans A and B therefore you need to choose such a plan that can provide you those benefits that you would be needing the most. There are some plans like the plans from J through L seems to provide lesser benefits but in original saves a lot of your money in the form of yearly deductibles. This you should notice very carefully before choosing your Medicare Supplement Plans.
Medicare is a GREAT health insurance program!! The problem is most people feel intimidated by it. They are overwhelmed by the choices and get frustrated and ultimately turned off by the whole system. That is unfortunate, but hopefully this article will clear up some of these issues.
Medicare is a health insurance program designed for seniors (people 65 & older) and people with certain disabilities. It covers Hospitalization costs (Medicare Part A) and doctors or outpatient services (Medicare Part B). It was signed into law in 1965 by Lyndon B. Johnson. It has gone through many changes over the years and now there is also Medicare Part C (also called Medicare Advantage) and Medicare Part D (prescription Drug coverage).
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