by Korean Resource Center 민족학교
Best Medicare Supplement
Here’s an easy step-by-step guide to finding the best Medicare Supplement (also referred to as Medigap).
Most people want coverage for what they are paying out of their own pocket for Medicare’s co-insurance, co-pays and deductibles – and they want that coverage at the lowest possible price.
Here’s a secret that could save you a lot of time, money and effort – it’s one of the biggest differences in Medicare Supplement plans. Each insurer can sell the exact same Medicare Supplement plans at a different price!
Medicare Supplement plans are standardized so if you buy Plan F, for instance, from any insurer, you’ll get the same coverage, but you may find it at a much lower price with comparison-shopping.
You can get professional help to compare Medicare Supplement plans from the Medicare planning team at MediGap Advisors. With years of experience in Medicare Supplement insurance, these experts know Medicare Supplement plans and the insurers offering them.
Just call MediGap Advisors at 866-681-7712 to get the answers you need and find the best Medicare Supplement plans. 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. They’ll take a look at your biggest health care expenses and show you the best Medicare Supplement plans to protect you from charges that Medicare doesn’t cover.
If hospital care is a big concern for you, you’ll need coverage for Medicare’s Part A ,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 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.
Medicare Supplement 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% that’s 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 Medicare’s pre-approved amount and leave you to make up the difference.
The best Medicare Supplement plans help with doctor’s 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.
The best Medicare Supplement plans help whenever Medicare doesn’t completely cover your health care expenses. That includes doctor and hospital bills, but it also helps with skilled nursing facilities and even emergency care when you’re traveling out of the country.
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 travel abroad, Medicare has no coverage at all for any emergency medical care outside of the country. You can travel safely with several of the best Medicare Supplement plans. They will cover 80% of your emergency medical care during the first 60 days you’re abroad, with a 0 deductible.
The best Medicare Supplement plans cover your costs whenever Medicare will not pay.
To find the plan that’s just right for you, list your biggest health care costs and see which Medicare Supplement plans cover those charges for the lowest premiums. After you compare Medicare Supplement 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 Medicare Supplement experts.
As the nation’s leading independent agency specializing in Medicare Supplement plans (Medigap plans), MediGap Advisors can show you how you can save money with the best Medigap plans that fit your needs and your situation.
Related Medicare Articles
Question by glory: Medicare question: Should I choose a Medicare Advantage Plan or go with Medicare and a Supplement?
I’m turning 65 soon. So I’m faced with a choice: Do I choose to go with Medicare and a medicare supplement plan? Or do I choose a Medicare Supplement Plan such as the AARP United Health plan? Can anyone recommend a supplement with a low monthly premium? Seniors, what is your experience? Any tips you’d like to share?
Answer by mamacedar
I signed up with the one that walmart sells – Secure Horizons by United Healthcare. There are no premiums to pay. I don’t understand how it works, but somehow Medicare pays for it. My only copay is office visit $ 5, Spec/$ 15 and ER $ 50. The phone number on the back of the card is 1-866-579-8774 .
I already had some other health plan which deducted money from my SS check, but there was this ‘sales lady ‘ standing in a booth at Walmart and when I told her how great mine was she said I can give you a policy that has no payment removed from your ss check. She came over to our house showed us all the details, answered all our questions, and we signed up for it. Sounds too good to be true, but so far it has paid everything (including RX) that we have needed.
What do you think? Answer below!