Alabama Medicare Plans
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Do You Need a Medicare Supplement?
Best Time To Enroll in a Medicare Supplement
Understanding Medicare is not an easy task. Should you go with a Medicare Advantage Plan or a Medicare Supplement? What about prescription drug coverage? Is Plan F the best Medigap plan, should you consider Plan G or Plan N? Do you want a plan that has restrictions on which doctors and hospitals you can go to such as an HMO or PPO plan? Would you rather have a plan that will let you go to any doctor or hospital of your choice in the United States that accepts Medicare? Choosing the wrong Medicare Health Plan could end up costing you thousands of dollars for Medicare-covered services and may limit your ability to see the doctors and hospitals you prefer to go to.
Confused by Medicare
I can see why most people are confused about Medicare and the choices they need to make. The choices you make concerning a Medicare Health Plan are very important. A big part of my job is to educate and inform so you can make the best decision on which Medicare Health Plan is best for you. I would welcome the opportunity to work with you to take the confusion and stress out of selecting a Medicare Supplement and Medicare Prescription Drug Plan. Call or email me with any questions you have about Medicare and get free quotes and expert advice at no cost or obligation.
Original Medicare (Part A and Part B) does not cover all of your costs when you go into the hospital or when you see your doctor. Medicare Supplements sometimes called Medigap plans, pay health care costs that Original Medicare does not cover like deductibles, coinsurance and co-payments for Medicare approved services. Medicare only covers 80% of Part B medical expenses and when faced with serious and chronic health conditions you could end up with medical bills totaling thousands of dollars if you don't have a Medicare Supplement to cover the other 20%.
When you first enroll in Medicare Part B at age 65 or older, you have a guaranteed right to buy a Medicare Supplement policy for six months. Your acceptance is guaranteed and pre-existing health conditions are covered immediately. After your Open Enrollment period is over you can apply for a Medicare Supplement later at any time, but you may be charged a higher rate or could be denied coverage if you have any serious health conditions. This may be your only chance to get a Medicare Supplement without having to answer any health questions. Don't wait until you have a serious health condition before deciding you need to apply for a Medicare Supplement because you may be disappointed in the end result.
Confused by Medicare