Medicare Supplement or Medigap Plans
If you qualify to receive Medicare, a supplemental plan can fill in the gaps that Medicare doesn’t pay for. That is why this type of policy is sometimes called a Medigap policy. Plans F and G provide the physicians and other providers with full payment for their services. This allows you to be treated by all providers that will accept Medicare reimbursment, for little or no cost to you. Unlike a Medicare Advantage plan, you are not required to utilize a small local network of providers. You can travel without fear of being out of network. There are no co-pays, no deductibles except for the first $183 of Part B services on plan G, and no percentages to pay. Your monthly premium is the only factor in budgeting your healthcare, and your costs do not escalate when you utilize services. Deciding a course of treatment is between you and your doctor, and not up to some committee at a Medicare Advantage company. As long as Medicare covers the particular service, you can have the procedure done. With the federal government set to lower the funds going to Medicare Advantage plans, these types of plans will become much more expensive or unavailable. Medicare with a supplement will still be a solid way to cover your healthcare in the future.
Taking care of your dental health is very important to your overall health. This coverage is high quality, but there are waiting periods for the more expensive treatments. If you were covered by another dental policy for the last year, the waiting period may be waived. Otherwise, dental plans have a six month to one year wait for the more expensive services.
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