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Original Medicae provides great coverage but there is no maximum out of pocket you may have to pay.
Steps to protect your wallet:
A Medicare Advantage or a Medicare Supplement Policy
The three basic concepts you must know to understand Medicare and your health care options
Original Medicare is not full coverage
Did you know that Original Medicare doesn't 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 portion of the Medicare-approved amounts for covered medical care costs, but does not pay for these costs in full. Original Medicare generally only covers drugs administered by a physician at the office, therefore, you will need to get a prescription drug plan in addition to Original Medicare. With Original Medicareyou can go to any doctor that accepts Medicare.
What is a Medicare Supplement plan (Medigap) ?
Medicare Supplement Insurance plans are also known as a Medigap plans as they helps fill the "gaps" in Original Medicare as Original Medicare pays some, but not all of the cost of the covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay for some of your health care costs, like: Copayments, Coinsurance and Deductibles. All Medicare Supplement Plans are exactly alike but cost differ by insurance company. If you have Original Medicare and buy a Medicare Supplement plan you can go to any doctor who accepts Medicare.
What is a Medicare Advantage plan ?
Medicare Advantage Plans are another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are offered by private companies approved by Medicare that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In many cases, you will need to use health providers who participate in the plan's network and who are in the service area to. These plans set a limit on how much you will have to pay out-of-pocket each year for covered services to help protect you from unexpected costs. Some plans offer out-of-network coverage, but sometimes at a very high cost.
I am here to help you choose the most appropriate and affordable Medicare plan to meet your specific needs.