Medical insurance coverage is a personal choice for Americans, including Medicare Supplemental Medical Insurance.
Licensed and trained insurance sellers can help seniors and other qualified enrollees understand the available options under the various supplemental plans. However, as the individual receiving the care, you have final say on which insurance you want to use service your healthcare and medical needs.
People need Medicare Supplemental Medical Insurance to fill in gaps not covered by other parts of Medicare insurance coverage. Another name for these plans is Medigap. Part A coverage is hospital insurance that helps to cover inpatient care at hospitals nationwide. In addition, Part A covers home health care, skilled nursing facilities and hospice services. Part B is medical insurance and it helps to cover doctor services, outpatient care and medical equipment. If a certain service or product related to your specific healthcare needs is not covered you can find and select supplemental plans that do.
The U.S. government agency called the Centers for Medicare and Medicaid Services, or CMS, administers the overall Medicare program. However, private insurance companies in your state offer Medicare Supplemental Medical Insurance plans. Although most senior citizens will have a choice of Medigap plans, some may be limited to the insurance companies in the state of permanent residence. This is why it is important to speak with licensed agents who are familiar with state rules and regulations.
You can comparison shop the Medicare Supplemental Medical Insurance plans that are available in your state. You can call the insurance company’s customer service line or visit its public website for price quotes and plan details. There is no obligation to sign up with any particular company if you are simply contacting someone about offerings and general inquiries.