Medigap insurance (Medicare Supplemental Insurance) is very important to many people who have needs above and beyond what Medicare offers. Due to the fact that many people cannot get the coverage that they need from Medicare policies they get extra services from these supplemental policies. People who don’t know about the changes, but use Medigap insurance, should be aware of some basic benefits changes that happened June 1st, 2010.
Starting with policies eff ective on or aft er June 1, 2010, Hospice Part A coinsurance (outpatient prescription drug and inpatient respite care coinsurance) will be covered. Plan K will cover 50% of the costs and Plan L will cover 75% of these costs. This may not be important to you, or it could be a massive change from what you did have covered.
When these changes happen to your Medicare or Medigap policies you need to reevaluate what you have covered. You can contact someone in a local Medicare office or consult a health insurance company that offers Medigap policies. If you are unsure if these changes affect you it is only important to consult with someone who would know.
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