Independent Agent & Medicare Supplement Specialist, reMEDIGAP, USA
If you want to have a comprehensive health care coverage, then you should consider buying Medigap insurance. Original Medicare Part A and Part B only cover about 80% of your Medicare approved health care costs. This leaves you with the responsibility of paying the remaining twenty percent. This can add up if you have an expensive procedure or a long term illness.
Many people think if they are healthy that a Medigap Plan is not something they need right now. However, if you wait until a health issue arises, you may not qualify for a Medigap Plan. It's really best to buy a Medigap Plan as soon as your in the initial Open Enrollment Period (when no health questions are asked). If you are no longer in Open Enrollment or another Guaranteed Issue Situation, it's best to speak to an insurance agent specializing in Medicare Supplement insurance. We can review your health history and make recommendations on which insurance companies you may qualify with.
If I can assist you with your specific situation, please feel free to contact me.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Should you buy Medigap Insurance? Well, depends on how you want to use your insurance in retirement. Medigap insurance couples with Medicare part A& B and fills in the gaps those two don't cover. Note: you will need plan D coverage for RX. A Medigap plan allows you the freedom to go where you wish for the most part for care. My mom has Plan F and it works well for her as she fires her doctors about every 6 months. A Medigap plan allows you to do that. A Medicare Advantage Plan doesn't.
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Many people think if they are healthy that a Medigap Plan is not something they need right now. However, if you wait until a health issue arises, you may not qualify for a Medigap Plan. It's really best to buy a Medigap Plan as soon as your in the initial Open Enrollment Period (when no health questions are asked). If you are no longer in Open Enrollment or another Guaranteed Issue Situation, it's best to speak to an insurance agent specializing in Medicare Supplement insurance. We can review your health history and make recommendations on which insurance companies you may qualify with.
If I can assist you with your specific situation, please feel free to contact me.