If you are still not satisfied with your original Medicare plans. Even though it covers your hospital cost, health care cost, prescribed medicine cost, there 20% of the amount still uncovered. Sometimes Part B cost exceeds and you have to pay that amount. No insurance can cover those nooks. Do you feel that the 20% of extra medical fees still excess?
If you don’t want to pay an extra 20% of your medical fees, left by an original insurance policy, you must buy Medigaps.
Definition and classification of Medigap:
Medicare advantage plans or Medigaps are coinsurance, copayments, and deductibles.
This Medigap plans categories into ten parts. They are A, B, C, D, F, G, K, L, M, and N. each of them has different facilities and offers. Not all Medigap plans sold by every state. Before you purchase any plan, check your state insurance department for the availability of plans.
Difference between Medigap plans:
Every Medicare advantage plans differ from one another. Enroll in one at https://www.medicareadvantageplans2019.orgPlan A has the most basic facilities which every people seek for. Plan F has every advance facilities for the people who don’t want to take any risk on health.
Comparing Plan A and Plan F:
- Basic facilities:
Coinsurance or co-pay (part A), hospital cost, hospice care, Coinsurance or copayments of part B, cost of blood (first three pints).
Basic facilities same as plan A.
- Extras are:
Medicare Part A and Part B deductibles, Part B excess charges, Skilled Nursing Facility, foreign tour emergency health care.
Conditions that prevent you to purchase Medigap:
- If you are not 65.
- Already have a Part C Medicare plan.
- Have employer health coverage at 65.
Unfamiliar facts about any Medigap:
When you want to enroll your name you must be clear about something about Medicare advantage plans.
These plans are sold by a private insurance company. Before you buy any of these plans make sure about your premiums. These premiums are payable separately from original Medicare plans. You have to make sure whether the company reliable. You need to check their rating online on the basis of their offers, customer relations, and performance.
If you enroll your name for Medigaps during open enrolment session you don’t need to go for medical check-up.
Medicare advantage plans don’t cover drug cost. To cover your prescribed medicine cost you have to buy part D Medicare plan separately.
If you have an end-stage renal disease or amyotrophic lateral sclerosis you can’t buy Medigap.
So choose wisely before you purchase any Medigap.