Do I Need To Supplement My Medicare Ins?
Seniors can fill Medicare ins gaps by searching for a Medicare Supplemental Insurance plan.
What Health Care Costs are Paid?
Medicare Supplemental Insurance is also known as a Medigap plan and is used to pay health care costs that are not paid by your Medicare ins. Health costs include any copayments, coinsurnace, and even the deductible for Medicare Part A and Part B.
Who Makes the Payments?
Your Medigap policy will pay its share of health care costs after Medicare ins pays its share. Any costs that are left will need to be paid by you. You can find Medigap policies from many companies that sell health insurance policies in your state.
What Plans are Available?
Insurance companies that offer Medicare Supplement Insurance will need to provide Plan A. Insurance companies will also need to offer Plan C and Plan F. You have the option to choose from plans ranging from A through N. However, plans E, H, I, and J are no longer available. Insurance companies in your state may not offer all Medigap plans for purchase. They also cannot deny you a policy for any type of pre-existing health issue.
What are the Requirements?
Individuals need to be over the age of 65 to be eligible for Medicare ins. You must have both Medicare Part A and Part B to purchase a Medigap policy. Individuals can purchase a Medigap policy during any open enrollment period. A Medicare Supplement Insurance policy does not cover dental care, a hearing aid, vision, or long-term care.
How Do I Find Plans?
If you are in need of a supplement to original Medicare, then search for plans offered by a health insurance company in your state. This can easily be done on the Internet or over the phone.