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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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Medigap Plan A is the least complex of all Medicare Supplement plans and provides the least coverage. Still, it covers the most critical benefit: the 20% of outpatient medical care that Original Medicare leaves behind. Therefore, seniors should not overlook Plan A.
Plan A coverage applies to hospital bills and coinsurance with all Medigap plans, even up to a year after Medicare benefits have been exhausted. Plan A covers Medicare Part B coinsurances and three pints of blood.
The coinsurance which comes along with a skilled nursing care facility stay isn’t covered. Medigap Plan A also doesn’t cover any deductibles.
Here’s a visual chart that can help you:
In most states, Plan A is available to people under 65. If a disability makes you eligible for Medicare early, you can purchase this policy during your Medigap open enrollment period (without underwriting). However, Medigap for folks under 65 will cost significantly more than it will for 65 and older people.
This discrepancy in cost occurs because disabilities require more medical attention, which leads to higher costs than the average 65-year-old.
For those over 65, Medigap Plan A will be priced like any other Supplement. But not many over 65 choose it — they often need more coverage for their health conditions. So, they opt for Plans like F, G, and N that provide more benefits.
Be careful not to confuse Medigap Plan A with Medicare Part A. They’re not the same.
Medigap Plan A is one of the ten standardized supplement plans that helps pay for what Original Medicare doesn’t. Medicare PART A, however, is your Original Medicare hospital insurance.
If these letters and plans seem overwhelming to you, you’re not alone. Midwest Trusted Benefit can help you understand your options and give you unbiased advice. Leave the insurance jumble to us.
Are you anticipating an inpatient hospital stay? Have you thought about the possibility of hospice admittance in the future? Are you going to have a procedure that may result in loss of blood?
If you answered yes to these questions, Medigap Plan A might be the right policy for you. Contact us today. Our agents serve many clients in Nebraska, Kansas, Iowa, and Missouri. We’ll be happy to answer your questions and provide quotes for the Medigap plan of your choice.
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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