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MediGap - Supplemental Medicare Insurance
When it comes to Medicare, it's important that California seniors know both sides of the story and understand the advantages and disadvantages of relying solely on Medicare to provide your health care needs.
Many seniors in California find that Medicare is not enough to cover their medical expenses. MediGap insurance - also known as Medicare supplement insurance - is designed to supplement Medicare's benefits. There are many medical services that Medicare does not cover. A Medigap policy provides reimbursement for the out-of-pocket costs that are not covered by Medicare.
This information is taken directly from the "Guide to Health Insurance for People with Medicare."
There are health care costs that Medicare either does not pay in full or does not pay at all. If you need or want services not covered by Medicare, you must pay the bill.
To help fill these gaps in your Medicare coverage, you have the option of buying supplemental insurance policies known as Medigap plans.
Before Medicare will pay for any of the medical services you want or need, you must first pay Medicare's deductibles. When combined with the co-insurance you are also required to pay, you may be out hundreds, even thousands of dollars, before Medicare pays any benefits!
You are guaranteed coverage with Medigap regardless of your health history, if you apply within 6 months of turning age 65 and 6 months of your Part B effective date.
You are guaranteed coverage regardless of your health if you are over age 65 and lose your employer sponsored health plan as long as you apply within 6 months of your loss of coverage.
There are several ways to get guaranteed coverage. Call us now at 800-884-6721 and find out how a MediGap policy can help you enjoy your golden years.
