The Medigap plans for 2019 or Medicare supplement plans are something which everyone during their old age go for. If you are still confused, then following are some of the points which can help you in your decision making process:
- Medicare Supplement Covers Your Additional Costs
Medigap plans for 2019 cover all the additional costs that the original Medicare doesn’t cover. This includes additional things in part A and B like deductible, copays and coinsurances etc.
- Medicare Supplement Has a Special Enrollment Period
Although you can apply for Medigap plans 2019 anytime you want but there is a specific enrollment period which doesn’t charge you extra because of your health conditions provided you are of the age 65 and already are enrolled in part B program.
- Medicare Advantages Is Different as Compared to Medicare Supplement
Be careful not to mix these two. Medicare supplement and Medicare advantage are two different things. If someone is convincing you that they are same then turn your back towards them right away. Medicare supplement covers additional costs with part A and B program while advantage also covers problems related to vision, hearing, dental etc.
- Medicare Supplement Policies
The Medicare supplement policies cover annual, monthly and quarterly premiums which you pay to the insurance provider. Keep in mind that your insurance broker will not cancel any previous health plans you applied for before opting Medigap plans for 2019.
Medicare supplement is available with any hospital or facility or doctor already participating in Medicare. So if you want yourself to be checked by a doctor other than the one you usually choose, you can however keep in mind that the said doctor or facility should be participating in Medicare.
Despite popular belief, you can get guaranteed acceptance in the Medicare supplement programs. There is no specific condition for approval. However, if you want to have proper approval to ALL Medicare supplement plans then it is best to apply within the open enrollment period or guaranteed issue.
- Eligibility Criteria
The eligibility criteria for Medicare supplement is only the age limit. In other words, you must be of the age 65 or above if you want to apply for Medicare supplement plans. It is best to start thinking about your Medigap plans for 2019 the moment you turn 60. So by the time you are 65, you will have a clear idea and simple choose your option.
Find out more here https://www.medisupps.com/cigna-medicare-supplemental-insurance-2018/.