Understanding the Basics of Medigap Policies
Medicare coverage can be a critical component for living a healthy life in retirement, as well as for maintaining your financial independence during these years. 然而,, 尽管它很重要, Medicare does not cover the full range of healthcare expenses you may experience in your golden years.
To fill the holes that exist in Medicare, Medigap insurance can be purchased by individuals over 65 to supplement Medicare.
A Medigap policy is designed to cover expenses such as copayments, 共同保险, and even deductibles—the so-called gaps in Medicare. Coinsurance is only covered after you have paid the deductible unless you select a Medigap policy that also covers the deductible.
从A到N
Medigap is private health insurance that must follow federal and state laws designed to protect you. 在大多数州, you can only purchase standardized coverage packages, 或计划, each of which is identified by the letters A through N.
These standardized packages must offer the same basic benefits regardless of which insurance company is offering it. Cost is usually the only difference between Medigap policies with the same letter.
All insurance companies are required to offer the Plan A standardized package. Each Medigap plan option (A-N) will differ on the benefits offered and the percentage of coverage for these Medicare gaps.
To get a better understanding of what each of these plans offer, go to www.医疗保险.然后点击“健康” & Drug Plans” at the top of the page. Then click on “Medicare health plans.”
65岁早点开始
You must have Medicare Parts A and B to buy a Medigap policy, and the best time to buy Medigap insurance is within the first six months you are both 65 or older and enrolled in Medicare Part B. By doing this you will not need to undergo a medical underwriting. For those with existing health conditions, this enables them to buy a policy at the same price that is charged for people in good health.
A separate Medigap policy must be purchased for each spouse.
如果你即将退休, or have already discovered that these Medicare gaps can be expensive, it may be time to determine if a Medigap policy is right for you.
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