For all those of you who do not know what Medicare insurance is
all about, here is a sneak peek into the
must know information about the same.
Medicare is a healthcare program that is funded by the US federal
government for all those citizens of US who are aged 65 years and above. Even the disabled people are eligible for
getting this Medicare insurance coverage.
There are different types of Medicare
insurance plans that are offered to people. Though there is comprehensive coverage
offered under this, there is not coverage for everything. There are a few gaps here and there and that
is the basic reason why we have the Medicare supplement insurance plans offered
by the private health insurance companies.
The various plans offer coverage for hospital care, medical care and
prescription drugs.
There are various parts in this insurance plan. Here is a look at what the various parts
bring in along with them:
Part A Medicare: This
offers hospital insurance coverage.
Inpatient hospital care, hospice care and skilled nursing care
facilities are covered under this. The
entire amount of the hospital bill is not covered and the person has to pay a
deductible.
Part B Medicare: This plan
offers coverage for non hospital medical expenses and they include blood tests,
doctor’s visits, outpatient hospital care and X-rays. Here too, you will have to pay a small
deductible before the benefits actually begin to pour in.
Part C Medicare: This is
private insurance and is called the Medicare Advantage plan. But, if you have to avail this insurance, you
will need to be in possession of the Part A and Part B of Medicare. Here too, there may be deductibles but the
plan may offer coverage for a whole lot of items that have not been covered
under the Original Medicare.
Part D Medicare: This plan
offers coverage for prescription drugs and is optional as the person will have
to pay a totally separate monthly fee.
The costs of this plan may comprise of the copayment amount, coinsurance
amount and also a deductible.
Medicare supplement insurance cost: The cost of these plans keep changing every
year and also vary greatly based upon the location. However, there is one thing in common; those
plans which come in with a wide range of services definitely are the most
expensive ones.
You can get the best Medicare supplement insurance from a reliable
source like Healthgap
Direct. Touch base with our
experts to learn more about the same and also to learn whether the plans that
are available offer you coverage for the much needed aspects.
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