Medicare supplement plans the help you need to stay secured from medical costs
After applying for a Medicare plan the policy holder one may feel that all the medical expenses that he or she will meet in near or far future will be paid by his or her Medicare original plan, but one should note that in reality it is found that it is quite a day dream to get them. The reason lies as always some left expenditure not paid by the insurance you have done to secure your health, which is not hidden but known to all. There are lots of reasons behind this, as Medicare does not cover all the conditions that a patient or a policy holder may have or has already. There is some spending also that you have to pay after your treatment is not covered by the original one so always keep this mind. Therefore you can have Medigap Insurance which can maximize the benefits that you can have by selecting an original one. And it can also be said that these policies are not independent policies as these plans have close proximity with the Original Medicare plans. So the bottom line is a person has to enroll his name at first for an Original Medicare Plans and after then only he can get register to the Medicare supplement plans or Medigap Plans.
To go for a supplement Medicare insurance a person is always required to be enrolled in part A and B of original Medicare before they select for a Medigap Health Insurance Plans. A person may select and get a Medigap insurance plan on a guaranteed issue basis during the open enrollment period, which begins within 6 months of turning 65 or enrolling in Medicare Part B at 65 or older. And also that I this period no medical screening is required. While going for an open enrollment the issuing insurance company may also put forth the requirement of medical screening and also may obtain an attending physician’s statement if it is felt necessary. But one should always remember is that this policy is not compatible with any other forms of private medical coverage as for example a Medicare Advantage plan.
Medigap premiums may differ by insurer, area of the country and benefit package selected. To find out which insurance companies sell Medicare supplement insurance in your state, you can call your State Health Insurance Assistance Program for free assistance and a Medigap rate comparison shopping guide, or visit www.medicare.gov and select “Compare Health Plans and Medigap Policies in Your Area”. Even find a good insurance broker such as the people at some website who offer assistance to Medicare beneficiaries in the state of California.
Finally, always remember that you only need one Medigap insurance policy. Note that it is illegal for an insurance company to sell you a second policy unless you are cancelling your current policy. However, don’t cancel just you want to re check it. Be sure to get the new one in place of the old before cancelling your old Medigap policy.
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