Are There Government Publications To Help Choose A Medicare Supplement?
Medicare Supplement insurance is available for those individuals who currently have original Medicare coverage and are seeking additional coverage, in order to help offset medical expenses not covered by Medicare. Medicare Supplement insurance plans are private insurance plans, also known as Medigap insurance policies. In order to be eligible for Medicare Supplement plans (Medigap) individuals must have Medicare Part A and Medicare Part B.
Choose your plan
Prior to finding Medicare Supplement Insurance (Medigap) one must determine what coverage they need. One should carefully consider current health conditions and future possible conditions when selecting coverage. Once the coverage is determined, it is important to shop around for the best valued plan, as many insurance companies charge different rates for the same exact Medicare Supplement coverage.
Finding insurance companies
In order to find Medicare Supplement (Medigap) insurance companies, one can choose from a variety of outlets. Individuals can contact their local state health assistance program in order to seek help about the different companies in their area, the various plans, and different insurance plan rates charged by the companies. Individuals can also inquire with their local state insurance department and find out all the same information, as well as possibly request a Medigap rate shopping guide. Individuals may also visit the government Medicare website and obtain information regarding various Medicare Supplement insurance plans and companies or phone the Medicare office. Individuals can also call Medicare Supplement insurance companies directly and question them as to the current costs of plans.
Know your rights
It is illegal for insurance companies to pressure individuals into purchasing insurance plans, nor are Medicare Supplement insurance companies allowed to tell mistruths with the attempt of persuading an individual into buying insurance. As an individual inquiring about Medicare Supplement (Medigap) insurance plans - certain rights are a given. Take time to find out what those rights are from the government Medicare website, health assistance program representatives, or from calling the Medicare phone number.