Medicare Supplement plans, also known as Medigap policies, offer essential additional coverage to complement your Original Medicare benefits. While Original Medicare provides valuable coverage, it doesn't cover everything, leaving you responsible for deductibles, copays, and coinsurance. Medigap plans are designed to fill these "gaps" in coverage, and some even extend to foreign travel emergency care and Medicare excess charges. Holden Kiefer Insurance is here to help you in Missouri, Arkansas, and Illinois by calling 314-437-8420.
There are ten standardized Medigap plans labeled A, B, C, D, F, G, K, L, M, and N, each offering a different percentage of benefits. It's important to note that Plans C and F are not available as they once were. Those who became eligible for Medicare after 2020 no longer have the option to enroll in these Medigap plans due to legislation that prohibits enrollment.
Medicare Supplemental Plan G covers all out-of-pocket costs, with the only exception being the annual payment of the Part B deductible. This keeps Medigap premiums lower and may save beneficiaries money in the long run.
Medigap policies enjoy popularity among Medicare beneficiaries for their ability to cover healthcare costs not addressed by Original Medicare, including copayments, coinsurance, and deductibles. These policies may also extend benefits to medical care when traveling outside the United States.
Other advantages of Medigap include the freedom to choose your own doctors and hospitals, eliminating the need for referrals to see specialists, and some plans even offer zero out-of-pocket expenses.
Once you've obtained a Medigap policy, you enjoy the security of knowing that you cannot be removed from the plan due to health problems. Explore the range of Medigap plans available to you and make an informed decision to enhance your Medicare coverage by filling out our form.
Contact us today for personalized guidance on selecting the right Medigap plan to meet your healthcare needs.
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