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There are many different circumstances in which people need Medicare supplement insurance—also called Medigap insurance. This brief article will explore some the things you should know concerning this kind of health insurance so you can gain a better understanding of your gap coverage options.
When you get to a certain age of life, you deserve to be able to relax a little more, without having to worry about life essentials being taken care of. There’s nothing that can be a bigger stress during your golden years of life than your health insurance.
Many seniors find that while they qualify for Medicare insurance, they still need more coverage for all of their medical expenses. For these cases, there are Medicare supplement insurance policies.
Private insurance coverage companies offer Medigap insurance policies, but there is a difference between these policies and Medicare Advantage plans – also known as PPO and HMO plans.
Medigap policies work along with your regular Medicare insurance plan to help cover some of the extra out-of-pocket expenses you may incur including your yearly Medicare deductible, co-insurance and co-payments. In other words, they cover the ‘gaps’ in your current Medicare policy.
You should know that there are a vast array of Medigap insurance policies to choose from – which also means the costs vary as well. Only one person can be covered on this type of policy, so if you are married, you and your spouse will need separate policies.
Medicare Supplement Policies are NOT the same as:
- Employer or Union Coverage
- Medicaid
- TRICARE
- Medicare Prescription Drug Plans
- Medicare Advantage Plans
- Benefit Programs
- Veteran Benefits
- Etc.
Many people find it challenging to get to the a real and affordable solution to the health insurance challenge they face in light of the recent healthcare reform called the Affordable Healthcare Act. With this healthcare reform, many argue that instead of being more affordable, health insurance is actually more expensive.
There is much to learn in terms of what is covered and not covered with a Medigap policy: what benefits are included, what’s not covered, when the best time to enroll for a Medigap policy is, and more. This is where Benefit Link can help you, we have a staff of knowledgeable and courteous staff that want to help you get the coverage you need and remove that stress from you life.
The best way to get questions answered is to call The Benefit Link for assistance with your Medicare Supplement insurance today at 1-866-630-0626 ext. 108.
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