Tag Archives: Medigap

Should I research Medigap before buying a policy in Tennessee?

As your open enrollment period begins in Tennessee you might receive a lot of attention to sign up for Medigap or more commonly known as Medicare Supplemental Insurance. If you are not sure when the open enrollment starts, it automatically starts the month you turn 65 and have both Medicare part A and part B. If you miss this enrollment period, you still might be able to get a plan, but it will cost you more money.

Researching Medigap, a key to finding the best plan!

We recommend you do your own research before you talk to someone about Medigap. That way you know a little bit about the topic and know what the agent is talking about. This also allows you to pick the right plan for you; of course you can also get the agents opinion. You can find a lot of great information on our blog and you’re more than welcome to contact one of our Tennessee agents at 888-452-7949.

Research all the Medigap plans

With 10 Tennessee plans to choose from you have some thinking to do. We get a lot of calls that ask what the most popular plans are and we would have to say Plan F and Plan G are the most popular plans. However, you might not need all the coverage and could save some money by going with a different plan. Here is a Medigap plan chart to visually help you.

I’ve researched online now what?

Once you have read about Medigap plans, we would suggest contacting one of our US based licensed agents. Our agents are free to talk to about Medigap, friendly and have a ton of experience with all the plans. If you want a ballpark price on one of the plans you can also fill out or free online quote tool. This tool allows you to compare plans based on price.

Learn more about Medigap plans & rates in Tennessee at http://emedigap-plans.com/tennessee-medicare-supplement-plans.  Our Tennessee Medigap Insurance brokers will help you compare Medigap Insurance rates and plans in Tennessee today.  To talk to an expert in Tennessee Medigap coverage call toll free 888-452-7949 today!

Comparing Medigap Plans in Texas

The older we get, the more we realize that our bodies need more than the usual care and attention it has survived on all these years. It becomes obvious to us that if we want to age with grace without being a burden to the younger generation we need timely access to quality medical care. Quality does not come without a price and if you don’t have a health care plan in place it is possible to use up your savings on just health care management.

But here comes Medigap, the perfect solution to your healthcare management. Medigap is available all over the states with peculiarities for each region. You can have Texas Medigap quotes and rates if you reside here in Texas or have plans to relocate here very soon. You can also compare TX Medigap plans to make the best of the options available to you and enjoy your later years in good health.

Medicare is a health insurance scheme funded with taxpayer’s money to ensure continuous access to health care for the vulnerable. It is a federal health care plan for the elderly, specifically from age 65 while persons younger than 65 can have access to this service if they have disabilities or End-Stage Renal Disease (ESRD).

The Medicare program is highly beneficial and thus recommended to reduce unnecessary financial burden and the need for dependency. Though a standardized health care program, there are plans with specific objectives, so Senior citizens and other permitted categories in Texas can actually choose any option from the range of options. There are presently10 Medigap plans to choose from in Texas and they include the following:

  • Medicare part A Coinsurance & Hospital costs
  • Medicare Part B Coinsurance or copayment
  • Blood (The first 3 pints)
  • Part A Hospice Care Coinsurance/copayment
  • Skilled Nursing Care Coinsurance
  • Medicare Part A deductible
  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Foreign Travel Exchange
  • Out-of-pocket Limit

There are terms and conditions for each of this  plans, thus the need to make comparisons and make sure that applicants in this scheme have access to affordable health care coverage.

Comparing Medigap quotes in Texas is actually a simple process as there are Medigap Insurance companies to on ground to explain what each plan entails and guide you through this process.

The different insurance providers in Texas offer different Medigap rates/quotes which can be compared based on expectations and funds available for your health care. Information on the specifications, guarantees and limitations of the TX Medigap plans is the basis for comparison.

We have licensed Medigap agents that will ensure you have quotes and rates from multiple insurance providers. We can help you decide on which Texas Medigap rates/quotes is the best fit for you. Contact us today and enjoy the best health in good hands.

It should be noted that Medigap plans are for the elderly but not limited to them as younger persons with disabilities or ESRD are also included in the plans. Whatever the case at hand, you can be sure that your needs will be well taken care of as Medigap in Texas does a great job of filling on the gap for Medicare.

Learn more about Medigap plans & rates in Texas at http://emedigap-plans.com/texas-medigap-insurance.plans.php.  Our Texas Medigap Insurance brokers will help you compare Medigap Insurance rates and plans in Texas today.  To talk to an expert in Texas Medigap coverage call toll free 888-452-7949 today!

Information on Texas Medigap Program

Texas-Medigap

There are a number of benefits that come along with turning 65; one being the availability to healthcare insurance known as Medicare.  As with most programs that are sponsored by the government there are various aspects to understand.  It is important to note that once participants are enrolled in Medicare Part B of the Original Medicare program, you can enroll in a Medigap plan to fill in the gaps within the coverage.

Original Medicare Coverage:

  • Medicare Part A – 80% of in-hospital costs – More information
  • Medicare Part B – Expense for the physicians, outpatient treatments, and medical supplies – More information
  • Medicare Part C – Otherwise known as Medicare Advantage, this plan cannot be used in combination with Medigap plans – More information
  • Medicare Part D – This covers prescription medication coverage – More information
  • Texas Medigap Insurance Plans – More information on Medigap
  • There are ten Medigap plans labeled with the letters of the alphabet.  The benefits that come with these plans range depending on the plan that participants select.  Possible coverage includes:
  • The first three pint of blood that is needed in a medical procedure
  • Skilled nursing care
  • The Medicare Part A and Part B deductibles
  • Foreign travel emergency coverage

Insurance company rates vary a lot when it comes to Medigap premiums.  The one thing that does not however is the coverage of each plan.  No matter where you purchase Medigap Plan F the coverage is the exact same.  This is true of all ten Medigap plans.

The most popular option in Texas is Medigap Plan F.  This Medigap plan is the most popular since it offers the most benefits in comparison to other plan alternatives.

Texas Medicare and Medigap Plans are available for participants under 65 who qualify for coverage due to a disability.  Coverage options vary because each state is allowed to choose which Medigap supplemental plans to offer to Medicare beneficiaries younger than 65 that qualify.  In Texas Plan A is offered.  The rate that is charge is not the same to those under 65 in comparison to those over 65.

13% of the population in Texas receives Medicare benefits.  In 2015 that was almost 3.7 million recipients, participants with ESRD make up 1.3% of them.  In 2013 the distribution of participants was 16% being disabled and the remaining 84% of beneficiaries had reached the age of 65.

Texas Medigap Plan F Coverage

  • Part A hospital co-insurance costs for up to an additional of 365 days after your Medicare benefits are exhausted
  • Part B co-insurance, co-payments for outpatient services, supplies, physicians services, treatment, and other items
  • First three units of blood for approved medical procedures
  • Part A hospice care co-payment
  • Skilled nursing facility co-insurance
  • Medicare Part B deductible for hospitalization
  • Medicare Part B deductible for outpatient services
  • Medicare Part B excess charges – this is the difference between a providers charge and the Medicare  limit for the service
  • Foreign travel emergency expenses up to the plan limits
  • Medicare preventative care Part B coinsurance

Medigap plan G is similar to plan F except that it does not cover the deductible of Medicare Part B.  There may be other Texas Medigap insurance costs which could include monthly premiums, annual deductibles, co-payments, co-insurances payments.  These costs vary between insurance companies; however, insurance companies must notify enrollees in advance of premium increases.  As mentioned before, Medigap rates vary between insurance companies, where you live, your age, your gender, and health.

For a guide on Texas Medigap rates and comparison of Medigap plans contact a licensed Texas Medigap advisor.  They will help you with the options and offer you details to the coverage advantages and drawbacks.  There are many great options to choose from in Texas when it comes to Medigap options.  Be sure to choose the best fit for your lifestyle, budget, and healthcare needs.

How Medigap Will Benefit You

Medigap, also known as Supplemental Insurance for Medicare offers a variety of plans that help fill in missing Medicare coverage. They are supplemental insurance policies for Medicare beneficiaries that they can use to cover the rest of the expenses that Medicare cannot cover. Medigap Insurance works as a specialist insurance in a specific area and is related to Medicare, which means that one is linked to the other. The expenses generated by one can be covered by the other and vice versa.

Medigap insurance begins once you have verified that Medicare paid your share. Then the Medigap policy pays its share of Medicare and so on.

Each Medigap policy must be fully legal and meet the requirements required by state and federal laws to better protect the client. Medigap can only be paid through the person who made the contract and requires payment of a monthly premium.

Medigap is actually supplemental insurance; it means that Medigap supplements Medicare and that one cannot work without one. There are several things you should know when you have or purchase Medigap insurance. All standardized policies have a constant renewal service as long as you keep paying the premium. It is important to know that a person cannot sell you a Medigap policy if you already have a Medicare action plan.

The supplemental Medigap does not cover long-term general expenses, dentistry or ophthalmology, expenses incurred by hearing aids, eyeglasses or private nursing services. Medigap has a variety of plans that fit any type of person.

There are several things that you should consider when purchasing a Medigap insurance policy. It is important to know the limits and coverage that will have the necessary tools. Know the price of premiums, know if the price is related to the coverage and know if it is really worth paying the money for the services offered.

In case the person wants to move away from Medigap insurance and Medigap supplements should be absolutely sure to do so as it is a fairly large help for all people who could buy at some point. If you just want to change your policy for another you can also do it. Or you could decide to purchase and maintain a Medicare Advantage plan that has drug coverage.

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888.404.5049 today!

Tennessee Medigap Can Ease Your Pain

Tennessee Medigap plans are available for those eligible for Social Security benefits, have turned the age of 65 and have enrolled in Original Medicare.  Medicare is insurance that is provided by the United States federal government to those who qualify.  Although Medicare pays a large portion of medical expenses, this medical insurance doesn’t pay 100% of the costs of medical services and supplies.

melton-lake-Tennessee

The remaining out of pocket costs left over is the responsibility of the insured.  This is known as a gap in coverage; the portion of medical expenses that Medicare does not pay.  Many of those who receive Social Security benefits and Medicare benefits may be on a fixed income so the reaming costs left over after Medicare pays what it allots can be a financial burden.  Private medical insurance providers recognized a need for a product that would benefit those enrolled in Medicare.

Tennessee Medigap Plans

Tennessee Medigap supplemental insurance plans provide some coverage for those out of pocket costs that Medicare doesn’t pay for including deductibles, co-payments, and coinsurance.  Medigap does not pay Medicare Part B premiums that are required by Medicare.  Many participants may elect to have this premium deducted from their monthly Social Security benefits.  Private insurance companies must follow Federal and State laws for Medigap coverage.

The government has established certain criteria that these insurance companies must meet.  Every Medigap plans in the U.S. must cover certain basic expenses.  This legislation provides protection to Medicare recipients.  The Centers for Medicare and Medicaid services have created ten letter plans of coverage that standardizes Medigap.  Each of these categories may offer a different combination of coverage’s but private insurance companies must adhere to the basic guidelines.

Tennessee Medigap Policies – Eligibility and Enrollment

To enroll in one of the Tennessee Medigap policies you must already be enrolled in Medicare Part A and Medicare Part B.  Open enrollment is defined as the 6 month period of time that starts the first day of the month when a participant turns 65 and is enrolled in Medicare Part B.  During this time frame, those that apply for Medigap coverage cannot be denied due to previous health conditions and the costs for those with health problems cannot be inflated.  It is important to understand that Medigap is an individual policy meaning that married couples must each have their own individual plan.

Tennessee Medigap Insurance Rates

There are ten different lettered plans that a person can choose, Tennessee Medigap insurance rates from person to person can vary greatly. The rates will depend on the plan and company chosen to provide insurance provider.  Those who elect to have one of the TN Medigap policies will be billed directly from the private insurance company.  Those who elect to have one of the TN Medigap policies will be billed directly by the private insurance company.  This payment will go to the insurance company of choice not to the government.  Medigap is not a government sponsored coverage although it is regulated by the government.

Learn more about Medigap plans & rates in Tennessee at http://emedigap-plans.com/tennessee-medicare-supplement-plans.  The Tennessee Medigap Insurance brokers at eMedigap Plans will help you compare Medigap Insurance rates and plans in Tennessee today.  To talk to an expert in Tennessee Medigap coverage call toll free 888-452-7949 today!

Arizona Medigap Information

Arizona Medigap insurance plans offer additional assistance for seniors who need extra help funding their medical expenses.  Senior Medigap agents licensed in Arizona are available to help find the right plan for your individual health care and budgeting needs.  They want to make sure Medicare eligible recipients know what options are available to them regarding their health care.  Below are the well-reviewed basics, the ten standardized plans utilized throughout the country, eligibility and enrollment information, available carriers within the state, and some Medicare state facts you should know.

grand-canyon

Arizona Medigap Plans

Arizona Medigap plans are available to many people ages 65 and over who are also enrolled in Medicare Parts A and Parts B.  Some plans offer 100% coverage for medical visits, including visits urgent care facilities and specialists as well as hospice care.  No referrals are necessary for a doctor.  Arizona Medigap plans to support the health care and financial needs of seniors. It must be stressed that the Medigap plans are supplements; they are not intended to replace the Original Medicare.  As the name implies, their purposes is to complete the gaps in the Original Medicare allowing individuals to have complete coverage.

Medigap Options, Eligibility, and Enrollment

There are ten Medigap plan options available nationwide labeled A through N.  Some carriers offer all letter plans and some only offer a few.  The carriers in your state will determine what letter plans are available to choose from.

To be eligible for an Arizona Medigap insurance policy you must be:

  • An Arizona resident
  • Enrolled in Medicare Part A and B of Original Medicare
  • At least 65 or older (some plans are available to those under 65 with certain disabilities)

The best time to enroll is during your open enrollment period (OEP).  Your open enrollment period begins the first day you turn 65 and are also enrolled in Medicare Part B of traditional Medicare; once this period begins you will have 6 months to apply for Medigap coverage. If you apply during this time you will qualify for guaranteed issue.  Guaranteed issue means that regardless of your medical history, a carrier cannot deny you coverage or increase your rates.  You can still apply outside your OEP but you won’t be given guaranteed issue.  A carrier may require medical underwriting prior to approving your application or increase your premium rates due to your medical history.

Arizona Medigap plans and costs depend on many factors such as age, gender, location, and the provider you choose to go with.

Learn more about Medigap plans & rates in Arizona at http://emedigap-plans.com/arizona-medicare-supplement-plans.  Our Arizona Medigap Insurance brokers will help you compare Medigap Insurance rates and plans in Arizona today.  To talk to an expert in Arizona Medigap coverage call toll free 888.404.5049 today!

Tеnnеѕѕее Medigap Plаnѕ

Medigap plans in Tennessee are designed to help Medicare beneficiaries pay for costs associated with Original Medicare Part A and Part B which includes copayments, coinsurance, and deductibles. When Tennessee residents turn 65 and enroll in Medicare Part B in the state of Tennessee there is a six month open enrollment period where a person cannot be denied for any Medigap plan. However, if a person has a pre-existing condition, a six month waiting period may be enforced. It is critical to enroll during this open enrollment period. Plan ahead! Open enrollment means a simpler enrollment process and potentially lower premiums.

There are ten Medigap plans available in Tennessee. Every plan offers basic benefits although some of these plans pay different percentages of these basic benefits.

Medicare Part A

  • Basic benefits

Medicare Part B

  • Basic benefits and Medicare Part A deductible

Medicare Plan C (Medicare Advantage Plan)

  • Basic benefits, skilled nursing, Medicare Part A and Part B deductible, foreign travel emergencies

Medicare Plan D

  • Basic benefits, skilled nursing, Medicare Part A deductible, foreign travel emergencies

Medigap Plan F and F Prime

  • Basic benefits, skilled nursing, Medicare Part A and Part B deductible, Medicare Part B excess at 100%, foreign travel emergency

Medigap Plan G

  • Basic benefits, skilled nursing, Medicare Part A deductible, Medicare Part B excess at 100%, foreign travel emergency

Medigap Plan K

  • Basic benefits at 50%, hospitalization and preventative care at 100%, skilled nursing at 50%, Medicare Part A deductible at 50%, out of pocket limit at $4,640

Medigap Plan L

  • Basic benefits at 75%, hospitalization and preventative care at 100%, skilled nursing at 75%, Medicare Part A deductible at 75%, out of pocket limit at $2,320

Medigap Plan M

  • Basic benefits, Medicare Plan B coinsurance at 100%, skilled nursing, Medicare Part A deductible at 50%, foreign travel emergency

Medigap Plan N

  • Basic benefits, Medicare Plan B coinsurance at 100% except office visit co-pays of $20.00 and emergency room visits at $50, skilled nursing coinsurance, Medicare Part A deductible, foreign travel emergency

In addition, Medicare Advantage has extra coverage which includes hearing, vision, dental, and a wellness program which makes most residents to go for the offer. Medicare Advantage is sometimes called Medicare Part C and it works by replacing Medicare Parts A and B of traditional Medicare. Medicare Advantage programs also includes prescription drug coverage which is not available in Medigap policies except the fact that Medicare Advantage recipients can only see doctors within preferred networks.

Learn more about Medigap plans & rates in Tennessee at http://emedigap-plans.com/tennessee-medicare-supplement-plans. Our Tennessee Medigap Insurance brokers will help you compare Medigap Insurance rates and plans in Tennessee today. To talk to an expert in Tennessee Medigap coverage call toll free 888-452-7949 today!

Do you need Medigap Coverage if I’m Healthy?

Healthy eating Medigap is additional health care insurance provided by private insurance companies to cover the gaps in the Original Medicare Plan.  Medigap policies are regulated by Federal and State laws in order to protect you as a beneficiary.  Medigap policies have to be clearly labeled as Medigap and are standardized.  Medigap was designed to help pay the costs that Medicare does not cover.  Medigap is also known as Medicare Supplemental Insurance Plans.

Do you need Medigap coverage if healthy?  The answer is yes because Medigap is an extra health insurance plan to keep or make you feel safe as it covers costs not covered by Original Medicare such as co-payments, deductibles, and health care if you travel outside the U.S. This coverage is very ideal for health issues outside the country.

With most Medigap plans you can go to any doctor or hospital that accepts Medicare.  You will give them your Medicare card and your supplemental plan ID card.  Original Medicare will pay its share.  Your Medigap plan will pay your share of the costs depending on what the plan covers that you have chosen.  It may also coordinate payment with Medicare and your health care providers.  That means you will not have to bother with claim filing or paperwork.

Medigap insurance is available to help you cover those expenses that either fall through the cracks of Medicare or aren’t fully covered under the government plan.  Medicare was never intended to be a full coverage plan but rather to cover those retirees who could not afford full health insurance.  It best you get it even when you are health that when you are ill.  Don’t wait until you have a major medical emergency!

Now you can find Medigap right from the convenience of your computer.  It is recommended that you enroll in this type of insurance soon after reaching retirement age so don’t dely.  Every year will bring an increase in premiums if you delay signing up.  There is no excuse not to get coverage when you can enroll in this vital insurance program without even leaving your home.

How It Works

Generally, before you can Medigap plan, you have to be at least 65 and enrolled in Original Medicare Part A and Medicare Part B.  You apply for a Medigap plan offered by a health insurance company.  These plans only cover one person, so if you and your spouse both want Medigap coverage, you will each need a plan.  It does not have to be the same plan.

Before you get Medigap coverage you should be familiar with what it is.  Remember, Medigap is structured in a way that all the plans of the same name offer the same coverage regardless of the company that offers it.  Therefore, your challenge boils down to being familiar with what each of the coverage benefits are so that you know exactly what to expect from the available options.  This will help you determine which is best for you.

 

Medigap Eligibility Requirements

Medigap coverage works only in conjunction with Medicare Part A and Part B.  Acceptance of your Medigap application is guaranteed if you are 65 or older and apply within six months of your initial enrollment in Part N of Medicare.  Pre-existing conditions are usually waived during this period of time as well.

Here are the most common Medigap coverage benefits and what each does for your medical needs.

Medicare Part A Coinsurance

  • Available in all Medigap Plans A through N
  • Requires participants to pay for a share of the costs of the services needed
  • Applicable after your deductible has been covered

Example: Suppose you have a Medicare Part A service and your coinsurance states that you pay for 20% of the fee for that service; in terms, this means that your Medigap coverage takes care of the remaining 80% of the bill.

Medicare Part B Coinsurance
  • Available in all Medigap Plans A through N with limitations specific to Plans K and L
  • Similar to coinsurance for Medicare Part A except that it pertains only to service that fall under the Medicare Part B classification
  • Using medical services that falls under Medicare Part B you pay the coinsurance rates as specified in your plan while your Medigap coverage shoulders the remaining charge of the bill
Blood Coverage
  • This coverage comes with all Medigap Plans from A to N with special limits to Plans K and L
  • All Medigap offers blood transfusions of up to 3 pints
  • Patients must pay for any additional blood that is needed after they use their 3 pints
Medicare Part A Hospice Care Coinsurance
  • This coverage comes with all Medigap Plans from A to N
  • Similar to Part A and Part B coinsurance except it is specific to hospice care
  • If hospice eligible your insurer pays for the charges remaining after you paid your share
Skilled Nursing Facilities
  • Certain limited care that is provided at skilled nursing facilities
  • Most cover 50 to 100% of the coinsurance for hospice care
  • Medicare Part A and Medicare Part B do not include this benefit on their own
Foreign Travel
  • Medicare provides coverage only in the U.S. and its terriorties
  • Medigap plans are purchased to cover foreign travel emergencies as limited on their plans
  • If you are traveling outside of the U.S. often consider Medigap Plan C, D, F, G, M, or

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949 today!

What Is a Medigap Plan?

A Medigap plan covers costs associated with Original Medicare including copayments, deductibles, and other out of pocket expenses.  These plans are designed to work in combination with Original Medicare and cannot be used as stand-alone health coverage.  Medigap plans do not include prescription drug coverage but participants can choose to have prescription drug coverage by enrolling in Medigap Plan D, prescription drug coverage.

Medicare nurse

As of today there are ten different standardized Medigap plans to choose from.  Each plan is denoted by a letter of the alphabet starting with Plan A.  Medigap Plan A provides the most basic set of core benefits.  All of the other Medigap Plans include the benefits that are offered in Medicare Plan A along with additional coverage options.

The Medicare program is currently divided into four specific parts including: Medicare Part A, hospital coverage, Medicare Part B, physician’s coverage, Medicare Advantage Program, HMOs and PPOs, and Medigap Plan D, prescription drug coverage.

Medicare Part A: Hospital Insurance

  • Services related to inpatient centers such as:
  • The hospital
  • Nursing facilities
  • Hospice
  • Home care

Medicare Part B: Medical Insurance

  • Service related to physician’s care such as:
  • Doctor’s visits
  • Outpatient care
  • Preventative treatments

Medicare Advantage Program: HMOs and PPOs

  • Private insurance companies for you to choose from if you do not want Medicare

Medigap Plan D: Prescription Drug Coverage

  • Provides coverage for prescription drug coverage
Medigap Standardized Plans
  • Medigap Plan A – Basic core benefits
  • Medigap Plan B – Basic core benefits and the Medicare Part A deductible
  • Medigap Plan C – Basic core benefits, the Medicare Part A deductible, skilled nursing facility care, the Medicare Part B deductible, and medically necessary emergency care in a foreign country
  • Medigap Plan D – Basic core benefits, the Medicare Part A deductible, skilled nursing facility care, and medically necessary emergency care in a foreign country
  • Medigap Plan F – Basic core benefits, the Medicare Part A deductible, skilled nursing facility care, Medicare Part B deductible, 100% Medicare Part B excess charges, and medically necessary emergency care in a foreign country
  • Medigap Plan F Prime – Offers a high deductible option, increase every year and premiums are typically lower than other Medigap, deductible must meet the deductible before the policy covers your health claims
  • Medigap Plan G – Basic core benefits, the Medicare Part A deductible, skilled nursing facility care, 100% Medicare Part B excess charges, and medically necessary emergency
  • Medigap Plan K – Basic core benefits, provides 50% of the cost sharing for Medicare Part A covered hospice expenses, first three pints of blood, pays 50% of the Part B coinsurance after meeting annual deductible, after meeting your annual out of pocket spending limit Medicare Plan K will pay 100% of all Medicare Parts A and Medicare Part B deductible, copayments, and coinsurance
  • Medigap Plan L – Basic core benefits, provides 75% of the cost sharing for Medicare Part A covered hospice expenses, first three pints of blood, pays 75% of the Part B coinsurance after meeting annual deductible, after meeting your annual out of pocket spending limit Medicare Plan K will pay 100% of all Medicare Parts A and Medicare Part B deductible, copayments, and coinsurance
  • Medigap Plan M – Basic core benefits, Medicare Part A deductible, skilled nursing facility care and medically necessary emergency care in a foreign country
  • Medigap Plan N – Basic core benefits, Medicare Part A deductible, skilled nursing facility care, and medically necessary emergency care in a foreign country

Learn more about Medigap plans and rates at http://emedigap-plans.com. Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949 today!

Comparing Medigap Plans in Tennessee

With a per capita income of $19,993 and an average cost of $20,000 for Medicare plans that unfortunately do not have a wide enough coverage for all circumstances, the average Tennessee resident is clearly not getting a good deal for his money. That’s why we have Medigap in the picture.

Medigap is an alternative health policy offered by private companies to cover for the lapses of the government established Medicare. Basically, what Medigap does is to cover for those things that Medicare does not cater for, such as co-payments, deductibles, and health expenses incurred outside the USA.

To apply for Medigap coverage, you must be covered by Medicare Plan A or B. The Medigap is sold by underwriters licensed to do so. A Medigap policy covers just one person; no group packages. It also does not cover some aspects of healthcare such as eyeglasses, hearing aids, dental care, private duty nursing and long term care. Medigap is available to persons above 65, young persons who have been eligible for social security for at least 2 years, and persons suffering from terminal renal disease.

Borrowing from Medicare’s lingo, Medigap has 10 plans, namely, A, B, C, D, F, G, K, L, M, and N. Each plan comes with unique offers to fit the needs of different persons. The offers range thus:

  • Medicare Part A Coinsurance
  • Medicare Part B Coinsurance
  • Medicare Part A Deductible
  • Medicare Part B Deductible
  • Skilled Nursing Care Coinsurance
  • Copayment
  • Charges for the First 3 pints of blood
  • Medicare Part B excess charges
  • Foreign Travel Exchange

For instance, if you subscribe for Medigap Plan B in Tennessee, you get coinsurance for Medicare Part A and B for up to a year after Medicare benefits are finished, skilled nursing facility care coinsurance, and first 3 pints of blood, amongst other things. Other plans also vary in what they offer, thus ensuring that you the subscriber, gets a package that is exactly what you need, nothing more, nothing less. But it should be noted that the Plans are universal across all states, since they are still regulated by federal and state laws. However, we offer the best prices on Medigap insurance policies.

As a Tennessee resident, you are eligible for Medigap if you are registered for Medicare Part A and B, and also 65 and above. Medigap plans are available in over 99 counties of Tennessee namely Van Buren, Jackson, Coffee, Bedford, Sumner, Houston, Rutherford, and Cheatham, just to name a few.

Already, there are over a 160,000 Tennessee residents enrolled for Medigap, and joining their swelling ranks is a piece of cake. The best time to apply is before you turn 65. This way you have guaranteed pick from the 10 available Medigap plans. The application process is also much easier. Anything later than this might result in fewer options and you might be stuck with a plan that doesn’t exactly suit you.

Learn more about Medigap plans & rates in Tennessee at http://emedigap-plans.com/tennessee-medicare-supplement-plans.  Our Tennessee Medigap Insurance brokers will help you compare Medigap Insurance rates and plans in Tennessee today.  To talk to an expert in Tennessee Medigap coverage call toll free 888.404.5049 today!