Medigap Insurance Covers Gaps

Medigap Insurance, also called Medicare Supplemental Insurance was designed to cover expenses that are not covered by Medicare.

There are lots of questions by individuals on Medicare about what it covers and how it is covered.  In addition, in light of recent issues in Congress trying to sort out the Medicare situation, people are quite confused about coverage.

Medigap insurance is supposed to keep you out of trouble by paying those things that might otherwise come out of your pocket.  Some of those expenses include skilled nursing care and hospital deductibles, co payments and other charges, such as extended stays in hospitals after the Medicare stops paying because coverage stops.

There are also some gaps when it comes to other products and services for outpatient care including doctors , certain medical devices and some treatments that are partially covered or not covered by basic Medicare benefits.

This is where the gaps are and where Medigap insurance comes in.
This is also where it is important for you to research which coverage will be the best for your situation and which company offers the most competitive rates.  Many insurance companies overcharge or charge more for the exact same coverage that you can get from other companies, so it is very important that you compare well.

There are also programs available to help with premiums and other payments in the event that you qualify as far as income limits and finances.  If you are on a limited income, you might qualify.

To ask questions or get accurate information, you can call 1-800-MEDICARE or go online to research the Medicare website at either www.Medicare.gov or www.cms.gov.