Medicare Plan A and Plan B covers a lot but does not pay for everything.
A Medicare Supplement Plan or Advantage Plan can provide more coverage.
Which plan is right for you ?
By focusing on the knowledge of Medicare Advantage and Supplement Plans also known as Medigap Plans and cost each year, I can assist you to make informed decisions which compliment your specific healthcare necessities. With a Medicare Advantage plan you generally need to pick a primary doctor within a network and plan details can change from year to year. With a Medicare Supplement Plan you can go directly to any doctor, specialist or hospital that accepts medicare and the plan details stay the same from year to year. I look forward to personally assisting you and providing guidance.
Carlos MejiaSenior Counsultant
Medicare is not full coverage
Did you know that Original Medicare does not fully cover all of your Hospital and Medical expenses? Original Medicare consists of Hospital Insurance (Part A) and Medical Insurance (Part B). Original Medicare pays a good share of Medicare approved amounts for covered health care costs, but it does not pay these costs fully. That’s where a Medicare Supplement insurance can help – paying for deductibles, coinsurance and co-payments – not covered by Original Medicare that would otherwise be your responsibility.
Filling in the gaps
If a person has chosen the Original Medicare option, he or she is also eligible to purchase a Medicare Supplement insurance plan. Medicare Supplement insurance, also known as Medigap or Med Supp is private health insurance that supplements Original Medicare and helps an individual pay the coinsurance, copayments and/or deductibles not covered by Medicare. Medicare Supplement insurance is regulated by the federal government through the Center for Medicaid and Medicare Services (CMS) and requires insurers to only sell standardized plans, which means they include the same benefits and features, regardless of the company a consumer purchases the coverage through.
Turning 65 - Guaranteed
There are several things individuals should know before applying for a Medical Supplement insurance. Initial Enrollment is guaranteed issue, which means you cannot be turned down for any health reasons. The best time to apply for a Medicare Supplement insurance is the seven month period surrounding your 65th birthday – three months before, the month of, and three months after your birthday. If you are over 65 you may still apply for a Medicare Supplement. Already have a Supplement plan give us a call about lowering your rate.