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Medicare is a national health insurance program for people who are 65 or older, certain younger people with disabilities, and those with end-stage renal disease.
If you’re turning 65 soon, you’ll have some critical healthcare decisions to make.
If you aren’t sure as to what all the parts of Medicare are, we have compiled all of them for you.
Known as Medigap Plans, Medicare Supplement Plans fill in the “gaps” of medical costs that aren’t covered by Original Medicare, such as coinsurance, copayments, and deductibles.
Medicare Advantage Plans, or Medicare Part C, can be used to substitute Medicare Part A and B, as well as offer prescription drug coverage.
You can enroll in Original Medicare three months before you turn 65 until three months after the month of your 65th birthday.
We have acquired an abundance of knowledge, and we’re eager to share this expertise with you in the form of articles and blog posts.
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Medicare Supplement plans can serve as great supplemental options when enrolled in Original Medicare as they can help cover any out-of-pocket costs you may have that aren’t covered by Original Medicare. There are ten plans to choose from: A, B, C, D, F, G, K, L, M, and N. The plans are standardized across the country, meaning that no matter what insurance company the plan is bought through, the coverage remains the same.
However, even though the coverage is standardized, the prices for each plan are not. This ultimately depends on the insurer. This is why it is extremely important that before a decision is made, Medicare beneficiaries must compare insurance plans and companies to ensure they receive the coverage they need at a price that fits their budget.
This is where the experts at Midwest Trusted Benefit can help you. We will help you compare coverage options, as well as rates, to determine which policy works for you.
While these plans may not be for everyone, there are a few reasons why Medicare beneficiaries should consider a Medicare Supplement Plan if they choose to stay enrolled in Original Medicare.
Medicare Supplements will cover most, if not all, of the out-of-pocket costs left behind by Original Medicare. These costs can include coinsurance, copayments, deductibles, excess charges, foreign travel emergency care, and more. While some may be able to cover these costs out-of-pocket, a supplement plan can certainly provide substantial coverage for those who cannot afford the expenses. And, with ten plans to choose from, there are various coverage options available to meet the needs of each individual.
Medicare Supplement Plans are also guaranteed renewable, regardless if you have health concerns. Because they are guaranteed renewable, insurance companies cannot cancel your plan as long as your premium payments are paid.
Another great benefit of Medicare Supplements is that no matter what insurer you purchased the plan from, you can use any doctor, hospital, or facility that accepts Medicare. This gives you more freedom than a Medicare Advantage Plan as many of them restrict coverage to certain provider networks.
Insurance companies are required to offer the same benefits for each plan, but they do not have to provide them at the same costs. This means the monthly premiums will vary by company.
Each company has one of three ways to determine premium costs for each play:
Other factors than can determine the cost of a supplement plan include:
Midwest Trusted Benefit has a record of providing exceptional assistance. Our professionals have been trained to answer questions and provide insurance support.
If you’re ready to enroll in a Medigap policy, call us at 402-740-5505. We’ll be happy to discuss your options with you and help you make the right choice for your future.
We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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