- Want to be able to use any doctor of hospital
- Want all medical bills paid for by insurance
- Want a plan that is simple to use
- Want unrestricted access to specialist
- Want to have coverage that is guaranteed and will not change
- Want to make sure I have nationwide emergency coverage
- Want to be able to get care when traveling
- Want unrestricted access to hospitals
- Can get access to advanced technologies wherever I want
- Want to make sure I can get prescriptions filled at preferred pharmacy
- Don’t want co-payments for doctor’s visits
- Will be able to keep my current insurer
Want to Use Any Doctor or Hospital
The beauty of Medicare Supplements is the flexibility of doctor options. It can be difficult to search through a provider directory expecting to find the best doctor nearby. With a Medicare Supplement, seniors can go to any provider that accepts Medicare.
This can be much easier, especially when some seniors have a long list of doctors or specialists that they don’t want to change. The flexibility here also allows seniors to change doctors or specialists as they see fit.
Want all Medical Bills Paid for by the Insurance
With Medicare Supplement Plan F paying coinsurance or copayments are a thing of the past. The Plan F offers the most comprehensive coverage to Medicare beneficiaries. If you are admitted to the hospital or just need to see a primary care provider for allergies, you want to know what you are paying.
If you know your insurance is covering everything in full, you can get the care you want at a price you will love. A Medicare Supplement plan is a financial protection against any future or currently failing health. Enrolling in a plan when you first turn 65 will give you guaranteed issue, meaning no matter your health condition, you are guaranteed coverage without an increase in premium costs.
Want a Plan that is Simple to Use
Copayments and coinsurances can be overwhelming. When you have a Medicare Supplement plan there is no more guesswork to your coverage. Medigap policies are simple to use because they offer such comprehensive coverage.
Want Unrestricted Access to Specialists
Medicare Supplement plans will allow you to go to any specialist that accepts Medicare Assignment, and you don’t need a referral. You can just go to any specialist, get the care you need, and use the coverage you pay a monthly premium for.
Want to Have Coverage that is Guaranteed and Will Not Change
The most amazing thing about these Medigap policies is that they are consistent. The insurance you had 5 years ago is probably a lot different than the insurance you have now.
Well, if you had a Plan F five years ago, it would be the same Plan F that insurance companies offer to seniors today. No sudden coverage changes and Medicare will continue to require these plans be standardized, guaranteed.
Want to Make Sure I have Nationwide Emergency Coverage
Medicare Supplement plans give seniors freedom and flexibility. It is nice to know traveling around the country, if an accident occurs, coverage is available. Medigap policies give seniors the peace of mind the deserve while traveling around the United States.
Want to be Able to Get Care When Traveling
Medical care while traveling is something many people forget about. Whether you are traveling inside the United States or outside the country, you need to be sure you are covered. Understanding your coverage is important, health plans offered by the same insurer often include different benefits.
Want Unrestricted Access to Hospitals
Not all hospitals are created equal. There are hospitals that have special facilities for cancer, dialysis or other major care specialties. It is important that these Hospitals be covered, with Medigap policies, worries are in the past. These policies will give you unrestricted access to hospitals, you can get access to the doctors and services you need.
Can Get Access to Advanced Technologies Wherever I Want
Medigap policies don’t have many restrictions; the flexibility for doctors, hospitals, and clinics is marvelous. Seniors know declining health is a part of life, with access to advanced technologies they can live longer and happier lives. Medicare Supplement policies give seniors the freedom to find providers that provide exceptional care.
Want to Make Sure I Can Get Prescriptions Filled at Preferred Pharmacy
Prescription drug coverage that only covers prescriptions is going to be more comprehensive drug coverage than the drug coverage on a plan that includes medical and prescription. Having a stand-alone Prescription plan can mean you have more pharmacy options as well as preferred pharmacy and mail-order pharmacy options.
Don’t Want Co-Payments for Doctor’s Visits
There are different types of Medicare Supplement plans, finding the best one for you is important. The Plan F and Plan G do not have co-payments for doctor’s visits or specialist visits. These plans offer comprehensive coverage and predictable costs for seniors.
Will be Able to Keep My Current Insurer
Many Insurance companies offer Medicare Supplement Insurance. The biggest difference in the Medicare Supplements is the cost. Plan F with Company A is the same Plan F with Company B. Don’t overpay for the same coverage. Talk to an agent that represents multiple companies, this way you can find what works best for you.
A Medicare Supplement plan can offer the most comprehensive coverage for seniors on Medicare. Medigap and Medicare Supplement Insurance are two words for the same policy type.
A Medigap policy helps pay the health care costs that Traditional Medicare doesn’t cover like copayments, coinsurance and deductibles. Medicare Supplement policies are sold by private insurance companies.
Some Medigap policies cover services that Original Medicare doesn’t cover like coverage outside of the United States. If a senior has Traditional Medicare and buys a Medicare Supplement policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs and the Medicare Supplement will pay its share.
Understanding Medicare Supplements
For eligibility purposes you will need to have Medicare Part A and B to enroll into a Medigap policy. If you have a Medicare Advantage plan you can enroll into a Medigap policy, make sure you can leave the Medicare Advantage plan before your Medigap policy begins.
With a Medicare Supplement policy, you will have a monthly plan premium that you will need to pay in addition to your monthly Part B premium that you pay to Medicare. Medicare Supplement policies only cover one person, couples will need to buy separate policies.
Medicare Supplement plans are standardized by the government, meaning a Plan A is the same Plan A coverage with each company, the difference is the cost. Any standardized Medicare Supplement policy is guaranteed renewable even if you have health problems.
If you pay the premiums, the insurance company cannot cancel your Medigap policy just because of your health. Medigap policies sold after January 1, 2006 are not allowed to include Part D Prescription drug coverage. You will need to enroll in a separate Prescription drug plan when you are first eligible, this way you avoid penalties. It is illegal for anyone to sell you a Medigap policy if you have a Medicare Medical Savings Account (MSA) Plan.
Choose the Best Plan For You
If you never want to think about copayments, coinsurance, doctor networks or hospital coverages, a Medicare Supplement would be the best policy for you. Some plans can take all the coinsurances Original Medicare gives you and pay them for you.
Insurance should be simple, and these Medigap policies couldn’t get any easier to understand. The best thing to do to ensure you get a great price and the best plan for you, call a Licensed Insurance Agent in your state.
When you talk to an agent that represents multiple companies you not only save money, you save time. Agents have a fiduciary responsibility to help you find the best plan for your coverage needs and budget. To have an agent compare rates now, give us a call or complete our online rate form here.