in the Medicare health policy covers a wide range of medical conditions, but unfortunately, not all. Thus, Medicare will not pay the full cost of medical services. In other words, there are flaws in Medicare coverage. There is Medigap insurance; it is in the field of health policy, which covers the gaps in original Medicare program.
Medigap insurance policies developed by the government and, therefore, standardized, regardless of the state in which you live. The only exceptions are Massachusetts, Minnesota and Wisconsin, which are standardized in a slightly different way. There are 10 types of plans indicated from A to Z. Plan A – the most basic, and with each additional plan has additional coverage options. So you choose a plan that best suits your situation and budget. On June 1, 2010 plans E, H, I and J are no longer available, and the two new plans, M and N, were added. In addition, the benefits in terms of A – G have undergone some changes.
Different Medigap insurance plans have the same benefits regardless of which provider you sold it or in what condition (except Massachusetts, Minnesota and Wisconsin). The only difference is the price. Each insurance company is free to decide how to appreciate their contributions. The Company generally uses andartyng medical (health information, which determines the suitability for health) in order to decide whether they will accept your application and at what price.
Although the policy set by the government, this program is not funded by the government. Consumer associations and private insurance companies can obtain a license to sell this insurance. You can get a list of licensed providers by contacting the state insurance office. As soon as you arrive, you will pay both the policy and premiums for Medicare each month.
After registering your policy is automatically updated, and the supplier can not cancel it, even if there are health problems. An additional benefit is that while you zdarova healthy, you can change plans depending on the situation and preferences. However, the supplier can not sell you more than one policy at a time.
The Medigap insurance there are a few key elements that you need to know, one of them with a & # 39; is the period of enrollment. Normally open record period of 6 months, which starts from the day when you are 65 years and older. It is desirable that you have registered during the open enrollment period, because the supplier is obliged to sell you any policy, even if you have health problems, and at the same price as that of a healthy person. If you take after a 6-month open-entry, the supplier can not sell you a policy, even if you are eligible for medical andartyng – if you are not qualified in accordance with certain limited situations.
Another important point that you need to understand is that the policy does not allow spouses to apply jointly. Each person must apply individually.
You can also take note that certain coverage is not included in Medigap insurance. These include: Medicare benefits plans; long-term care insurance policies; Veterans & # 39; benefits; TRYKAR; medicaid; Plans of employers or trade unions, including the federal program of benefits for the health of workers (FEHBP); Indian health plans, tribal and urban Indian health plans; and plans for Medicare prescription drugs.