Baton Rouge Medicare Supplements Insurance
The best time to check into Medicare Supplements (Medigap) is before you are eligible for Medicare. If you are nearing age 65, the choices you make now can help you in the future. But choosing the correct supplemental insurance to meet your needs can be confusing and overwhelming. Fortunately, our trained agents are committed to helping you sort though all the options available.
Everyone 65 and older is entitled to the basic Medicare coverage, but typically it only covers about 64 percent of the annual health-care costs. Added to the expense not covered by Medicare, there are deductibles, co-payments, and coinsurance to pay. This is why many choose Medicare Supplements and we can assist you in your medicare supplement needs.
Medicare Supplements Options
Both Medicare Part A and Part B were designed to help retirees with their health insurance. If you choose to add Medicare Part B, it is wise to add your supplements within 3 months of your 65th birthday up to 3 months after. During this time the Medigap program must accept you and any preexisting conditions, known as "guaranteed issue rights". In most cases, as long as you continue paying the premiums you cannot be cancelled. After the 3 month period preceeding your 65th birthday, if you decide you want a supplement policy, you can be turned down for pre-existing conditions such as diabetes, heart disease, or cancer. The key is to not wait until you're 65 years old and 3 months to make a decision.
Medicare Supplemental Health Insurance has a wide variety of plans and is organized alphabetically with each plan designated with a single letter. Plans are designed to help with the cost of deductibles, co-payments, and coinsurance. Some plans offer prescription, vision, or dental coverage. The different plans offer the flexibility of choosing your own doctors and hospitals that accept Medicare patients and specialists, without referrals. You have the freedom to travel and take your coverage with you anywhere in the United States. (Freedom and Control)
Rates for Medicare Supplements can vary greatly between different carriers and are usually based on age, location, gender, and health. You don't have to sort through this alone, our agents at Bruckner & Associates are committed to searching for the best rates and coverage that are affordable and meet all your needs.
There is also Medicare Advantage. Most of the time, Advantage plans have no monthly premium and a lot of them advertise no deductible. However, you'll find a max out of pocket on these plans that can be many Thousands of Dollars. Some of these plans have a PPO Network while most are in an HMO Network. In an HMO, your physician may accept the Advantage plan this month but next month they may be out of the network. This can be a huge problem and inconvenience. We can explain the difference between Advantage Plans and Medicare Supplements in detail and help make it simple to understand.
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