Medicare Supplement Insurance Plans – What You Should Know

Medical Insurance is the norm in a world of fixed incomes and medical costs that can crop up quite suddenly. There are a number of medical insurance programs available. Some will be closer to your needs than others.

Not more than 14 plans can be offered by a supplemental insurance provider. You should carefully consider these plans to determine which is the best one for you.

First, I will guide you through what is covered by Medicare so that you have a better idea of what kind of coverage is needed for supplemental insurance. Medicare costs include Part B deductible and doctor costs, Part A deductible and hospital costs and Part B extra charges, home recovery, at home nursing, prescriptions, preventive care and blood work.

Different people have different insurance needs. The Medicare Advantage is a new offering. Lesser coverage is available with no premium. Medigap policies are available to people with Medicare Part A and Part B. You need to buy a separate Medigap for your spouse. More information on the subject can be had by calling 1l-800-633-4227. A free copy of “Choosing a  Medigap Policy: A Guide to Health Insurance for People With Medicare” is available on request.

You can also learn more from the state health insurance program and you state insurance department. The phone numbers for these are available in the free publication mentioned above.