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Original Medicare, Part A and B, is administered by the CMS, the Centers For Medicare and Medicaid Services. It is well known that this basic Medicare health insurance doesn’t cover all health care costs. When you need more benefits or a cap on medical costs, you must add private insurance like Medicare advantage insurance or […]
Medicare supplement plans only work in conjunction with original Medicare. You must have Medicare Part A and Part B to be eligible to add a Medigap policy to your coverage. In order to be eligible, you must fall in one of the following categories: Turning 65 (Initial enrollment in Medicare) The best time to buy […]
Since 2006, Medigap policies are not allowed to include prescription drug coverage anymore. So, if you want prescription drug coverage, you need to enroll in a separate Part D prescription drug plan. If you still have one of the ‘old’ supplemental insurance policies and it covers prescription drugs, you may keep it. If you however […]
While your insurance company can’t cancel your supplemental policy unless they go out of business, or you violate the terms by not being truthful or not paying premiums, there may be times when you may want to drop you current Medigap insurance. You have the right to cancel your contract at any time but, but […]
Medicare Supplemental insurance, also referred to as Medigap or Supplement insurance, was created to help beneficiaries fill the gaps that are not covered by original Medicare. Medigap plans are standardized by the Center for Medicare Services (CMS), which makes them easily comparable, as every insurance company that offers one of the plans must give you […]
If you are on Medicare, you may want to consider the purchase of a Medigap policy (also called Medicare Supplement) for 2024 to fill the gaps in coverage. Before making a decision which of the many available plans is right, you need to do some research so that you clearly understand the benefits of each […]