You have questions. We have answers.
Medicare Supplement Policy Direct has over 50 years of experience in the health care industry to help ease the process of finding the perfect plan for you. If you have more questions please feel free to call us directly at 866-523-1171, we would love to help guide you to the plan that best suits your needs. In the meantime, here are some of our most popular questions for you to review.
- A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. Some Medicare Supplement policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S.
- A Medicare Advantage plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and aren’t paid for under Original Medicare
Medigap Plans F, G, and N offer many of the same benefits, with a few differences.
- Plan F offers the most comprehensive benefits of the three, including:
- Medicare Part A coinsurance and hospice care coinsurance
- Medicare Part A deductible
- Medicare Part B coinsurance or copayment
- Medicare Part B deductible
- Medicare Part B excess charges
- First three pints of blood used in a procedure
- Skilled Nursing Facility (SNF) care coinsurance
- Coverage outside of the United States
- Plan G offers all of the benefits of Plan F, with the exception of the Part B deductible.
- Plan N covers all the same benefits as Plan F with the exception of the Part B deductible and Medicare Part B excess charges.
- Plan N also pays for 100% of the Part B coinsurance except for a copayment of up to $20 for certain office visits and up to a $50 copayment for emergency room visits that do not result in an inpatient admission.
Yes, it is a good idea to compare rates every year to make sure that you are paying the right amount for the benefits you need.