Why Do I Need a Medigap Plan?
Medicare is a great help to most U.S. citizens who are age sixty-five or over. It covers a lot of the medical costs they incur, but it does not cover everything. Here are the facts:
Part A covers inpatient hospital care, home health, hospice, short-term nursing home services and rehabilitation care. Part A usually carries no monthly premium for U.S. citizens with a work history. Their taxes have already paid for it. Once a deductible is met, it pays a hundred percent of hospital costs. That’s great. However, if you’re an outpatient, you still have to pay for twenty percent. You also pay twenty percent of a doctor’s services whether you are in a hospital or not.
Part B is what pays for the doctor’s care. You pay a monthly premium for Part B. After your deductible is paid, it will cover eighty percent of Medicare-approved charges. The rest is up to you. This is why we need Minnesota Medicare supplement plans. Call 1-800-MEDIGAP or toll-free 1-800-633-4427 to find out more about this important coverage.
Part D covers some prescription costs. You need to sign up for this and pay a monthly premium, but it’s far less than paying for medicines out of your own funds. Medicare supplemental insurance will help a lot with these expenses.
How Does Medicare Help me Stay Healthy?
Medicare pays for preventive services to keep Americans healthy. When new patients are added to Medicare rolls, they are entitled to an initial primary care visit and examination that includes medical tests. This will screen for health problems that may be hidden.
Medicare also pays for the following:
*Screening for abdominal aortic aneurism
*Bone mass measurements
*Cardiovascular disease screening
Many other preventive tests are covered. Find out about all of them by reading the free “Medicare and You” booklet provided by Medicare. People who require other preventive services not covered by Medicare may be able to get them through a Medicare supplement. Call 1-800-MEDIGAP or toll-free 1-800-633-4427 and talk with a qualified insurance agent to find out about Minnesota Medicare supplement plans.
What If I Have Not Worked in the U.S.?
People who have no United States work history can still obtain Medicare by purchasing it and paying monthly premiums. They will need to pay for Part A, Part B and Part D. They should also buy Medicare supplemental insurance.
Minnesota Medicare supplement plans can pay for much of the cost of care that is not covered by Medicare. Call 1-800-MEDIGAP or toll-free 1-800-633-4427 to find out about plans that fill in the gaps and keep your money in your own pocket.
What is Medicare Part C?
Also called Medicare Advantage, this program is carried by private insurance companies. Most plans cover Part A as well as Part B and Part D, but individual plans vary greatly. Even with Medicare Advantage, you may need a supplement. Call 1-800-MEDIGAP or toll-free 1-800-633-4427 to find out how you can have peace of mind about medical bills. Minnesota Medicare supplement plans are a great way to keep your money where it belongs, in your own bank account.