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In recent years you may have come across the term ‘Medigap,’ which is a Medicare supplement insurance that serves the purpose of filling the gaps in the original Medicare plan. Private insurance companies sell these insurance policies, and the goal is to support or supplement your original Medicare benefits. Medicare is a health program backed by the state and administered by the Social Security Administration. Any person who goes to work usually pays Medicare taxes so that he can get Medicare benefits in old age. Medicare provides health insurance to senior adults at or above 65 years, younger individuals with any disability, and people with ALS (Arterial Lateral Sclerosis), or ESRD (End-Stage Renal Disease). What is the Purpose of the Medicare Supplement Insurance Plan? Most people might not know, but Medicare is [...]
Everyone hopes of living a happy and comfortable life, but ups and downs are part of life. However, planning out your future goals and available options can make it easy for you. We live in fast times where nearly everyone has a busy lifestyle, particularly if one is married, has kids, and manages a job. Life insurance is one vital aspect that helps to cover the financial burden of a family on the passing of an insured person. In simpler terms, life insurance is a legal agreement or contract in which an insurance company agrees to pay a particular sum of money or cash benefits to the family of the beneficiary when an event that the policy covers happens. The Significance of Life Insurance The purpose of life insurance is to provide [...]
The Medicare enrollment period for the 2021 year has officially arrived. Between October 15 and December 7, Americans can apply for Medicare or switch their healthcare plans, which will go into effect on January 1, 2021. To help walk you through what this open enrollment period means, and to help you choose a Medicare plan, we've created this short open enrollment guide below. When is the Medicare enrollment period for 2021? The Medicare open enrollment period for the upcoming year begins on Thursday, October 15, and ends Monday, December 7. Those enrolling in Medicare can apply at this time either for new coverage or different coverage policies. This Medicare enrollment period is the only time that enrollees can: Enroll in a stand-alone prescription drug plan, also known as a Medicare Part D [...]
There are over 66.7 million beneficiaries of Medicare in the country today. Medicare parts A and part B cover only up to 80% of total medical costs. Private and independent insurers usually cover the gap left through offering Medicare supplement insurance covers -- hence why this insurance is also known as Medigap. Medicare supplement plans are vital in filling the gaps in Original Medicare. Medigap helps pay for certain Medicare deductibles, co-insurance, and co-payment costs. It helps reduce the out-of-pocket medical expenses to little or zero cost. Gaps in Medicare Part A and Part B Medicare Part A covers for in-hospital and hospice services. Some of the gaps within the policy include: Hospital deductibles Co-insurance payments after 60 days stay Hospital services after the 150 days per spell of illness Medicare Part [...]
No one wants to face the possibility of a scary health condition. But unfortunately, the possibility of a cancer diagnosis is a situation that many Americans face. In fact, one in three women and one in every two men are diagnosed with cancer during their lifetimes. And while this medical scenario is one that can impact patients of any age, approximately 87% of all individuals diagnosed with cancer are older than 50. If you've invested in healthcare coverage for many years, you might assume that the majority of any costs related to your cancer diagnosis will be covered by your policy. Even for the 60 million Americans who rely on Medicare for their health insurance coverage will find that their policies come up short. For one thing, 60% of cancer costs are [...]
For the over 59 million Medicare beneficiaries, there is a lot of pressure to find the right plan that best meets their healthcare needs. Most people end up choosing a separate Medigap Insurance plan to lower out of pocket costs not covered under the Original Medicare cover. With many Medicare supplement plans available, it is easy to feel overwhelmed by the options you may have. Independent Medicare Supplement Insurance agents can smoothen the process of finding the program that bridges the gaps in your Original Medicare. Here are seven benefits of working with one. 1. Medigap Expertise The licensed agents are trained professionals with years of experience in handling Medicare enrollments and program operations. Browsing through the different Medigap plan options can be quite confusing. Independent Medicare Supplement Insurance Agents can walk [...]
You may have heard of how Medicare Supplement (Medigap) fills the gaps in healthcare coverage left by Original Medicare. But you probably didn’t know a few crucial things about it that may affect your coverage and finances. Sold by private insurance companies, including Medicare Supplement plan brokers in NV, Medigap is an excellent health plan that helps you meet the remaining parts of medical expenses that Original Medicare doesn't cover, such as deductibles, copays, and coinsurance. However, before buying it, you should understand its coverage to make the most of it. Here are a few crucial things you should know about Medigap: 1. To enroll in Medigap, you first must have Medicare Part A and Part B. 2. Medicare Supplement plan and Medicare Advantage Plan are not the same. Medicare Supplement, as the name [...]
A Medicare supplement or Medigap insurance plan is a private form of medical insurance that bridges the gaps left by Medicare. These gaps can be health care costs like co-pays, co-insurance, and deductibles. Medicare and Medigap can be complex. There are parts and plans that only the most experienced professionals can understand. There are also many myths and misconceptions about these plans. Read on to understand the truth about the 5 common myths about Medicare and Medigap. Myth 1 – Medicare is free for those above 65 years of age This is not true in most cases. The premium for Medicare Part B is typically paid as a deduction from your social security check. If you are not receiving social security, you can pay this quarterly. The amount is based on your [...]
When one thinks of life insurance, perhaps the first thing that comes to mind is financial security to your loved ones in an event of your death. The insurance policies are not just about income source. Various plans can also take care of burial expenses. Yes, in case you are not aware, burial insurance covers the cost of funerals. The best part of this form of insurance is that your family doesn’t have to worry about all the expenses related to cremation, caskets, funerary services, embalming, and other things. The individuals already go through emotional toll in the case of the death of their loved one. On an average, the cost of funeral is around 10,000 dollars. This much amount often results in infighting, scrambling for money, or sibling rivalry. But, if [...]