United Integrity Group

Things to Know About Medicare Supplemental Insurance

As we get closer to turning 65, the notion that Medicare is on the horizon becomes a reality. The problem is that it is so hard to traverse all the information on Medicare Advantage, Medicare supplemental and Medigap plans.

If you're researching online, it can be even more confusing.

According to WebMd, you should know certain facts about Medicare supplemental plans, also known as Medigap plans.

"Medigap is extra health insurance that you buy from a private company to pay health care costs not covered by Original Medicare, such as co-payments,deductibles, and health care if you travel outside the U.S. Medigap policies don't cover long-term care, such as stays in a nursing facility, or dental care, visioncare, hearing aids, eyeglasses, and private-duty nursing. Most plans do not cover prescription drugs.

You pay a monthly premium for a Medigap policy. However, if you use health services not covered by Medicare, your Medigap policy may save you money in the long run. You have to decide whether paying for a Medigap policy makes sense for you.

Medigap policies are only available to people who already have Medicare Part A for hospital services andMedicare Part B for doctor services. People who have a Medicare Advantage plan cannot get a Medigap plan (and shouldn't need one.)"

When selecting your Medicare supplemental plan, contact our team at United Integrity. We'll help identify your needs, and siphon through the details to get you the coverage that suits you.