A discussion on some basic Medigap benefits
It is a common fact that the Original Medicare does not cover for all the bills required for the medical needs. In fact the truth is that the Original Medicare always leaves behind some gaps which are to be paid from the pockets of the beneficiaries themselves. Therefore it is always essential to get the best help one can get for the better coverage of the Medicare. And this respect there is no better option other than the Medicare supplement plans. In fact the point is that these Supplemental Medicare Insurance are actually meant for this purpose only. The fact is that the main function of these Medigap Insurance is to cover up the gap left behind by the original Medicare and along with that to provide some extra benefits. Thus when you intend to get the Medicare insurance for yourself get some Medigap Insurance as well in accordance to that. This not only would help you a lot to get the maximum coverage of the original Medicare and also these plans can provide a good deal of help in getting some extra benefits as well.
Now in this context it should be kept in mind that the Medicare supplement plans are sold and administered by the private health insurance companies only. But along with that it is also a fact that there are still some preset rules that are to be followed by every company. As for example the companies can only offer 12 standard Medigap plans named A through L. And it is also to be mentioned that the plans under the same letter cover is bound to provide same benefits irrespective of the companies selling them. All that could differ is the amount of insurance premium nothing else. Therefore here in this article let us have a look on some of the benefits provided by the Medicare supplement plans under their letter covers.
Now to have a look at some of these plans we may start with Plan A. The Part A Medigap plan is your hospital insurance. It helps you to pay for the medical treatment that you receive in a hospital or skilled nursing facility. It also covers some of your home health care and hospice care, if you are ill for a time being.
Part B is that part of the insurance coverage that helps you pay for the medical services that are not covered by the Part A policy. It also includes the Doctor’s charge. It is rather helpful when you are having a Part A policy.
Part C is that part of the insurance coverage or such a Medicare supplement plan that combines both Part A and B coverage. It also provides some additional services. The Part C Medicare supplement plan is offered only through Medicare approved private insurance companies.
The Part D Medicare supplement plan is for your prescription drug coverage. It helps you pay for the medications prescribed by your doctor. In this case it is to be mentioned that the policy holders who enroll themselves for standalone Part D plan may not retain the drug coverage portion of their Medigap policy. But the beneficiary may choose to remove drug coverage from their current Medigap policy and retain all other benefits.
These are some of the basic plans and their respective coverage and there are several others with their respective set of benefits as well.
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