Frequently Asked Question

Answer: Yes. Each Medicare Supplement insurance plan is guaranteed renewable as long as beneficiaries continue to pay their monthly premiums. Failure to pay your monthly premiums gains you several notices until your coverage is terminated. You can re-enroll in the next enrollment period but that will be subject to several conditions and you have to pay whatever previous accounts you have left.
Answer: Original Medicare does not cover the cost of dentures since it does not cover routine dental care. To have coverage for dentures and routine dental plan you may avail a stand-alone dental insurance plan, a Medicare Supplement Plan, a Medicare Advantage Plan, a dental discount plan, or your through your spouse’s dental plan. Be sure to choose a Medicare Supplement Plan or a Medicare Advantage plan that offers dental coverage.
Answer: There are currently 10 policies available, designed in a letter plan system, ranging from Plan A to Plan N. All plans with the same letter offer the same coverage and benefits from one company to another in most states. The only difference they have are their issued monthly premiums costs.
Answer: Medicare only pays for a limited stay in a skilled nursing facility after a hospital stay that must be at least three days as an inpatient. Medicare does not pay for assisted living.
Answer: Yes, but it depends on some conditions. You must be homebound, need speech-language therapy, intermittent skilled nursing care, intermittent home health aide care, physical therapy, or continued occupational therapy. Your doctor must decide that you need medical care at home with a Medicare-certified agency. Medicare does not cover non-medical, personal home service.
Answer: Medicare Supplement policy premiums vary a lot depending on several factors. Different lettered Medigap policies have different premiums. Depending on where you live, your premiums can be different than that in another location. Premiums can also differ among the various insurance companies that offer Medigap policies. Insurance agencies based their rates through several methods: Community-rated, Issue-age-rated, and Attained-age-rated.
Answer: Medicare has four parts and Medigap (Medicare Supplement) as an addition. The so-called “original” Medicare has Part A (hospital insurance) and Part B (medical insurance). Medicare Part C is also called Medicare Advantage plan and directly replaces the “original” Medicare. Prescription Drug Coverage is under Medicare Part D and can be a stand-alone coverage policy in addition to “original” Medicare along with a supplement or as part of Medicare Advantage. Medigap or Medicare Supplement Insurance coverage goes with the “original” Medicare Part A & Part B and a stand-alone Part D. Medicare Supplement fills in the “gaps” that the “original” Medicare does not cover, giving you a fully comprehensive coverage.
Medicare Advantage has limited health care provider choices since you need to avail it within their network of providers. Medicare Supplement or Medigap, on the other hand, allows you a wider range of health care provider choice since the doctors and institutions that accept Medicare also accepts Medigap.
Answer: When you reach 65 and enrolled in both Medicare Part A & Part B then you are eligible for Medicare Supplement. If you have Medicare Advantage then you wouldn’t be eligible for Medigap.
Answer: If you are under 65 and has Medicare due to a disability you might be eligible to a Medigap depending on the state you are located in.
Answer: No. You cannot enroll for Medicare Supplement if you have Medicare Advantage. If you decide to drop your Medicare Advantage and return to the original Medicare then you may be able to enroll in a Medigap plan.
Answer: No. If you want to avail a coverage for your prescription medications then you should apply for a stand-alone Part D (Prescription Drug) coverage. Medigap doesn’t cover or offer plans that have prescription drug coverage.
Answer: The “Donut Hole” is one of the coverage phase of Medicare Part D (Prescription Drug) and is also known as the coverage gap. It’s a temporary limit on the coverage for your drugs is imposed by most Medicare drug plans. You will reach this limit once you and your plan spent $3,750 on covered drugs this 2018 and is subject to change every year.
Answer: Medicare has a pre-determined fee payment schedule for each service or procedure and when a physician charges you more than what Medicare assigned then it is called excess charge. This is due to your physician accepting Medicare but not the “assignment”.
The amount you pay for this excess charge would likely come out of your own pockets unless you have a Medicare Supplement (Medigap) Plan that has coverage for Part B excess charges.
Answer: Assignment means that your care provider, physician, or supplier agreed and thus is required by law to charge you the pre-determined payment fee assigned allowed by Medicare. Those who don’t participate can charge you up to about 15% more than what Medicare assigned depending on their discretion. If you regularly visit a non-participating provider then you would face excess charges every time you do and that expenses would likely accumulate in time.
Answer: The so-called “original” Medicare only covers a portion of your health care needs. Part A covers your Hospital Care while Part B covers Medical Care. Medicare doesn’t cover prescription drugs unless you avail a stand-alone Medicare Part D (Prescription Drug) coverage. It also doesn’t cover deductibles, co-payments, and coinsurance.
Answer: Top Medigap plans vary from state to state but the most common ones chosen by senior citizens are Plan A, Plan G, Plan F, and Plan N.
Medicare Supplement Plan A is the most basic of the Medicare Supplement Policy and covers the absolute minimum gaps left by standard Medicare coverage. It has reduced coverage, unlike the other plans and also the cheapest.
Medicare Supplement Plan G covers any medical benefit that Original Medicare covers except for the annual Part B deductible so it’s the plan that has the best value for your money.
Medicare Supplement Plan F is regarded as the highest level of coverage and the most comprehensive. You have virtually no out-of-pocket expenses with this plan.
One of the cheapest policy that has the most coverage is the Medicare Supplement Plan N. It is next in line to Medicare Supplement Plan G in terms of coverage. The only difference it has with Medigap Plan G is that it doesn’t cover Medicare’s Plan B excess charges.
Answer: You will be eligible to enroll during the Medicare Supplement Open Enrollment Period which begins the month you turn 65 and enrolled in Medicare Part B. This Period lasts for 6 months. After you’ve decided for the plan that’s best for you, have an insurance provider company that you would like to give you coverage don’t hesitate to call us at (855) 230 0801 for your Medicare Supplement (Medigap) plan. Our expert Advisors will help walk you through the process.
If you would like to compare plans, companies, and prices that will supplement your needs money-wise, feel free to do it on our website. As we offer free quotations, you wouldn’t have to pay for anything.
Medicare Supplement Insurance will cover some if not all of the expenses not fully paid by Medicare. You should consider purchasing one in order to fill in these gaps. You will not have to rely on your savings and cash in order to pay for any additional expenses that you might incur medically since it Medigap will cover it.
Answer: To really understand the best Medigap plan for you, one must remember that each person is unique. There is no one-size-fits-all plan that can definitely work for everyone. To gain the full potential of your plan, you must consider your preferences, health status, family medical history, budget, needs and what you might need to accommodate in the near future. What plan might work for someone doesn’t mean it will also work for you.
Don’t make a hasty decision in choosing your plan. Consider all choices and possibilities that can affect your budget and needs especially in the near future. You can research more about the plans themselves in order to know which one you really need as well as the possible providers of your coverage which are the insurance company themselves.
After you’ve done some internalizing on the factors that need to be considered first before purchasing your policy, you need to thoroughly review the features of the Medicare Supplement Insurance Policy that you think will suit you here at our website to see what’s available in your state and get their quotations.
You can also talk to one of our expert Medicare Specialist Advisor to get second opinions or know more about the plan you’ve chosen at (855) 230 0801.
Answer: A premium is the amount you pay monthly for your coverage and policy. Deductibles are the amount you must pay out-of-pocket each year before your Medicare plan kicks in and begins to cover your medical expenses.
A co-pay is what you pay for your health care cost in addition to that made by your insurer. It is a fixed amount that you need to pay for your health care service. Coinsurance is a form of cost-sharing between the insurance company and the consumer. You will typically begin paying your coinsurance after you meet your annual deductible. It is usually a percentage of the total cost.
Penalty, when it comes to late enrollment in Medicare, is the amount you pay on top of your monthly premiums for as long as you have that coverage. This amount may vary each year.
Answer: As long as your doctor or facility accepts Medicare they will also accept Medicare Supplement Insurance or Medigap.
Answer: No. Medicare does not cover routine dental, vision, hearing exams and expenses. Medicare does cover dental, vision, and hearing when they are part of or if they themselves are important emergency procedures, medical treatments, and surgeries. Just remember that Medicare does not cover the full costs of these procedures. For more information, you can call 1-800-MEDICARE.
Answer: Laser Spine Institute accepts Medicare. Medicare does not pay the whole cost of your procedures and associated fees. It only pays for the doctors’ and surgeons’ fees but not the associated facility fee.
Answer: You can ask for a replacement through your online Social Security account. Click on the “Replacement Documents” tab then select “Mail my replacement Medicare Card.” You will receive your card in the mail based on the address on your Social Security file in about 30 days.
Answer: If you travel within the U.S. you have coverage anywhere in the U.S. and its territories and you can have nay doctors or hospitals that accept Medicare. If you would travel abroad or outside the U.S. and its territories Medicare will not cover medical care you receive except for very few circumstances. It is better to have a travel insurance coverage just to be certain if you want to be outside of Medicare’s area of coverage.
Answer: If you have limited income or resources you may qualify for Extra Help, also known as Part D Low-Income Subsidy, from Medicare. You must be enrolled to Medicare Part D (Prescription Drug) coverage to avail of this service.
To know if you are eligible for the Part D Low-Income Subsidy, you will need to file an Application for Extra Help with Medicare Prescription Drug Plan Costs (Form SSA-1020). You can apply online at http://www.socialsecurity.gov/extrahelp; or apply over the phone or request an application by calling Social Security at 1-800-772-1213 (TTY 1-800-325-0778). Application through your local Social Security office is acceptable.
If you need more information regarding Extra Help you may call 1-800-MEDICARE (1-800-633-4227) for further assistance with the topic.
Answer: Beneficiaries with higher incomes are required by law to pay higher premiums for their Part B and Part D Medicare Policy. The surcharge is called an income-related monthly adjustment amount (IRMAA) which is activated when Modified Adjusted Gross Income (MAGI) as reported on your IRS tax return from 2 years ago, the adjusted gross income plus tax-exempt interest income, exceeds $170,000 on a married-filing-jointly tax return or $85,000 on an individual’s return.
To file for an appeal or if you want more information, you can call Social Security Administration at 1-800-772-1213 (TTY 1-800-325-0778). You can also visit and contact your local Social Security Office.
Answer: All Medicare Supplement Insurance, also known as Medigap, plans are standardized by Medicare itself. They are provided by private insurance companies and must follow federal and state laws pertaining to its sale and coverage.
There are currently 10 policies available, designed in a letter plan system, ranging from Plan A to Plan N. All plans with the same letter offer the same coverage and benefits from one company to another in most states. The only difference they have are their issued monthly premiums costs.
That means there is little to no reason to pay for a higher cost monthly premium of the same lettered policy when you will be receiving the exact same benefits and coverage for a lower cost at a different company.
Answer: Medicare Advantage Plan. It serves as a direct replacement to original Medicare Part A & Part B but will still need you to continue to pay your monthly Medicare charges. You must be enrolled in both Medicare Parts A and B and live in the plan’s service area. If you have the End-Stage Renal Disease (ESRD), you will not be able to avail a Medicare Advantage Plan coverage.
Medicare Advantage Plan does not provide you with comprehensive coverage. Some plans cover Medicare Part D (Prescription Drug) coverage. Your healthcare is limited from within their network of doctors, hospitals and health care providers. You still have to pay a lot of out-of-pocket costs and expenses. It lets you pay co-pays, deductibles, and other unpredictable costs so you actually don’t know how much your monthly or even yearly expenses would be.
You may be saving on monthly premiums since it the premiums are much cheaper than a Medicare Supplement but your other expenses would be far much greater than your supposed savings.
Medicare Supplement Plan. An important thing to notice is that Medicare Supplement Plans, especially those with comprehensive coverage, has a fixed monthly premium for the year. This means you pay for the same amount within that year so you know how much you have to spend.
It also has the most comprehensive of coverage since it fills in the “gaps’ from original Medicare Part A & Part B. You will have little to no out-of-pocket expenses. It has coverage for traveling abroad and as long as a hospital or a doctor accepts Medicare then they would also accept Medicare Supplement even when traveling by state or U.S. territories. This gives you a wide range of hospitals, health care facilities and doctors to choose from.
Medicare Supplement is guaranteed renewable as long as you keep paying your monthly premiums.
Answer: Top Rated Insurance Agencies vary from each state but even with those that always goes on top among multiple states you can certainly find them all here with us. As you look in for quotations here on our website you’ll find these top agencies on the results and other respectable and capable agencies that you could choose from.