Medigap
Insurance Policies
We are not insurance agents and are definitely not trying to sell
you a health care plan. We hope this information
from the official Medicare
website helps you understand Medigap
insurance, the supplemental insurance that helps pay for many
things Medicare does not. There are monthly premiums
for this insurance.
(Medigap insurance is not
the same as the Medicare Advantage programs, which are basically
HMOs. Most of these HMOs charge no monthly fee and your
primary care physician makes all referrals to other doctors and
chooses which hospital you can use.)
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What Medicare Covers
- Medicare Part A is for
hospitalization.
- Medicare Part B is for doctors
services.
- Medicare Part D is for prescriptions.
And there is more fine print and deductibles and coinsurance with all of these than you can
shake a stick at!
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To fill in the gaps where
Medicare leaves off are the highly regulated Medigap policies.
These 10
Plans are offered by private insurance companies across the
U.S. Massachusetts, Minnesota and Wisconsin have
different policies. This information does not include all
the details, but we hope it gives you a better idea of your
choices.
What Medigap Insurance
Covers
Plan A:
Basic Benefits
Plan B:
Basic Benefits, Medicare Part A deductible
Plan C:
Basic Benefits, Medicare Part A deductible, skilled nursing
facility coinsurance, Medicare Part B deductible, foreign travel
emergency
Plan D:
Basic Benefits, Medicare Part A deductible, skilled nursing
facility coinsurance, foreign travel emergency, at home
recovery
Plan E:
Basic Benefits, Medicare Part A deductible, skilled nursing
facility coinsurance, foreign travel emergency, certain
preventive care
Plan F:
Basic Benefits, Medicare Part A deductible, skilled nursing
facility coinsurance, Medicare Part B deductible, Medicare Part
B excess charges (100%), foreign travel emergency
Plan G:
Basic Benefits, Medicare Part A deductible, skilled nursing
facility coinsurance, Medicare Part B excess charges (80%),
foreign travel emergency, at home recovery
Plan H:
Basic Benefits, Medicare Part A deductible, skilled nursing
facility coinsurance, foreign travel emergency
Plan I:
Basic Benefits, Medicare Part A deductible, skilled nursing
facility coinsurance, Medicare Part B excess charges (100%),
foreign travel emergency, at home recovery
Plan J:
Basic Benefits, Medicare Part A deductible, skilled nursing
facility coinsurance, Medicare Part B deductible, Medicare Part
B excess charges (100%), foreign travel emergency, at home
recovery, certain preventive care
We strongly urge you to go
to the Medicare website
for all details. Then call several private insurance
companies in your state and ask to receive printed information
about the plans they offer before you make a decision.
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Your feedback and
comments are welcome. If you have experiences or
ideas to share, please send
feedback now.
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NOTE: All names
on this site have been changed to protect individual
privacy. The stories are real, the names are not. |
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82
The average life expectancy for men
in the U.S.
For women
it is 85. |
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