Finding The Right Medicare Policy
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Most people are familiar with Medicare, the government-sponsored health insurance program for seniors. However, many people don’t realize that Medicare comprises several parts, each with its own coverage and rules.
In most cases, Medicare coverage begins automatically when a person turns 65, as long as you paid Medicare taxes for at least ten years. Younger people with certain medical conditions and disabilities also may be eligible.
What Does Medicare Cover?
Medicare coverage is provided in four parts, each offering entirely different benefits. So before you sign up for Medicare for the first time or consider making changes to your current coverage, you must review each part and decide what you need.
With so many options available, it’s essential to understand the different coverage offered by each Medicare plan before making a decision.
The Four Parts Of Medicare Include:
Part A: The original Medicare plan covered hospital stays, home health care, and hospice care.
Part B: In addition to everything covered in Part A, Part B is a supplemental plan covering outpatient services, preventive care, and medical equipment.
Part C: This private insurance plan covers all of the benefits of Parts A and B, plus additional benefits like prescription drug coverage.
Part D: is a prescription drug plan that can be purchased separately or as part of a Part C plan.
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Why Supplemental Insurance – Medigap – Is Essential
Basic Medicare, which includes Parts A and B, covers most of your primary hospital and doctor expenses. Unfortunately, “most” does not mean “all.”
Medicare provides standard coverage to every beneficiary, regardless of income. What it does not offer, however, is 100% coverage of your medical costs. The expenses Medicare does not cover – sometimes referred to as “gaps” in coverage – are what Medigap insurance protects you from.
Medigap Policies Cover Medicare Parts C, D, and More
To have full coverage, you’ll want to purchase a supplemental policy, known as Medigap Insurance, which private insurance companies offer.
Medigap Insurance is a private plan designed to cover medical expenses where traditional Medicare falls short of the mark. Therefore, the more vulnerable you are to the gaps in Medicare coverage, the more you can benefit from the solid protection of a Medigap policy.
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You’ll Be Glad You Have It!
A supplemental insurance policy can save you money because that supplemental plan will pay for the out-of-pocket expenses not covered by Medicare.
Plus, you’ll appreciate the financial peace of mind that these policies can give you. So go ahead and search for Medigap plans that can provide you with the insurance that best suits your long-term medical needs.
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