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Supplement Your Original Health Plan by Medigap Insurance

Medigap insurance or Medicare supplemental plan is that type of plan which asserts the possibility to get the complete benefits of the Medicare original policy by double. It is purely made remembering the criteria that Medicare original always left some money coverage or insurance money unpaid or undue due to insurance structure or insurance policy. It is normal and common to the insurance holders. For this you if you have to get 100% benefits of your Medicare original plan then you have an option and that is to applying for a Medicare supplemental plan or which is called medigap insurance plan.

Medicare supplement plans or Medigap is the private health insurance plans that are for those people who already have a Medicare policy. The Medigap or Medicare supplement plans helps the Medicare beneficiaries to bear that extra medical cost that are left aside by the original plans. The name Medigap is suggested because it is believed that these policies bridges the gap between the Medicare coverage and the original expenses or the total bill charged. However in the recent studies it is seen that in the United States about 18% of the people having original Medicare policy goes for the supplement plans also.

Some details are here following. Medigap insurance needs to be applied for after you have done an original one as it will be Medicare original’s supplement. Other fixed criteria are age and other medical screening before doing the plan. But all the plans are same fixed by the governing body of the private companies which provide medigap insurance. At first you have to enroll your name under the plan A or plan B of original Medicare plan. It is mandatory and vital. A person may obtain a Medigap plan on a guaranteed issue basis during the open enrollment period, which begins within 6 months of turning 65 or enrolling in Medicare Part B at 65 or older. And also that I this period no medical screening is required. But after this open enrollment you have to give a medical screening and test for this health insurance plan. If the screening is felt required then you have to sit for a physician’s checkups. You may note down that any other medical insurance plan like Medicare Advantage plan will not be compatible with medigap insurance plan. No private medical coverage plan is under the list of compatibility apart from the original Medicare plan.

Medigap insurance plans may vary state wise but the basic rules are the same and they have to be maintained strictly. No private company on its own can change the rules and other formalities according to its whim. It is always same irrespective of company from where you are getting the medigap insurance. Currently there are 12 standard plans available in USA. They are named after English alphabet starting from A to ends with L. All the 12 plans provide different kinds of benefits and offerings to its customers. Medigap Plans H, I, and J, cannot be sold to people with prescription to drug benefits, although there is a lax of this rule for people who already have those plans and they can keep them.

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