Medigap Plans
Medigap Plans
Medigap Plans
Medigap Plans
There are 10 standard Medigap Plans (A, B, C, D, F, G, K, L, M and N.) Prices for these plans may vary by company, but the benefits are the same, no matter which company they are purchased from. Youll get the same coverage, but you may find it at a much lower price with comparison-shopping.
Plan A has all the Basic or Core Benefits and these benefits are the minimum coverage required for any Medigap Plan and are the only benefits in Plan A.
The Medigap Core Benefits are listed below:
1.Hospitalization - Medicare Part A co-insurance for hospital costs up to an additional 365 days after medicare benefits are used up.
2.Blood If you need blood transfusions, it covers the first three pints which are not normally covered by medicare.
3.Medical Expense Co-Pay/Coinsurance Covers Medicare Part B Co-pay/Coinsurance
4.Preventive Care Coinsurance Covers Medicare Part B Preventive Care Coinsurance
Medigap Plans B-N include the core benefits plus one or more additional benefits.
The additional benefits that are a part of Medigap Plans B-N are listed below:
1.Part A Deductible
2.Skilled Nursing & Hospice Care Coinsurance or copayments
3.Part B Deductible
4.Part B Excess Charges
5. Foreign Travel Emergency
If hospital care is a big concern for you, youll need coverage for Medicares Part A $1,100 deductible because you have to spend that much out-of-pocket per illness before Medicare pays for hospital bills. You can take care of the Part A deductible with any one of nine Medicare Supplement plans.
If you have to go to a skilled nursing facility, Medicare will cover 20 days of care in a skilled nursing facility following hospitalization. You have to meet your Part A deductible before Medicare picks up the charges. After 20 days, you have to pay for a portion the daily costs from day 21 through 100, but eight Medigap plans will pay your share for those days.
If you spend a lot on doctor office visits, you have to meet an annual Part B deductible before Medicare pays for your doctor bills. The best Medicare Supplement plans, the ones with the most comprehensive coverage, reimburse you for the Part B deductible.
Medigap Plans C and F will reimburse you for that deductible regardless of how much it is in any given year.
Medicare pays for 80% of a pre-approved amount for doctors services, after the Part B deductible has been met. You can choose from seven of the best Medicare Supplement plans to pay for the 20% thats left.
Your doctor may charge more for a procedure than Medicare will pay. When Medicare covers 80% of a pre-approved amount, Medigap covers 20% of the same pre-approved amount. Your doctor could charge a lot more than Medicares pre-approved amount and leave you to make up the difference.
Medigap Plans help with doctors excess charges. Medigap Plan G pays for 80% of any doctor charges above what Medicare will pay. For a slightly higher premium, Plan F will cover 100% of these excess charges.
If you travel abroad, Medicare has no coverage at all for any emergency medical care outside of the country. You can travel safely with several Medigap Plans. They will cover 80% of your emergency medical care during the first 60 days youre abroad, with a $250 deductible.
Medigap Plans cover your costs whenever Medicare will not pay.
To find the plan thats just right for you, list your biggest health care costs and see which Medigap Plans cover those charges for the lowest premiums. After you compare Medigap Plans, compare the prices different insurers are offering on the plan you like most.
You can save a lot of time and effort with free professional advice from the Medigap Plan experts.
As the nations leading independent agency specializing in Medigap Plans, MediGap Advisors can show you how you can save money with the best Medigap plans that fit your needs and your situation.
Just call MediGap Advisors at 866-681-7712 to get the answers you need and find the right Medigap Plan for your individual situation. MediGap Advisors can help you sort through the 10 Medicare Supplement plans now available by comparing your situation and needs to the benefits of each plan. Theyll take a look at your biggest health care expenses and show you the best Medigap Plan to protect you from charges that Medicare doesnt cover.
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