Medigap保險的目的是什麼？
Medigap保險的目的是什麼？
 The purpose is to provide financial coverage for the "gaps" in original Medicare Parts A and B. Original Medicare is very good health insurance, however does not pay for all beneficiary health care costs. For example, Medicare Part A (Hospitalization) requires beneficiary payment of a $1,260 deductible in 2015. The Part B (Doctors costs) has a $147 annual deductible, plus requires the beneficiary to pay 20% coinsurance of the Medicare approved amount for the bills. There are other exposure items as well, but it is easy to see that a given health situation could potentially lead to some significant bills for the beneficiary even though they have insurance. Medigap Insurance is designed to pay these bills in exchange for the payment of a monthly premium, thus trading an uncertain potential financial exposure for a certain monthly payment. It's a good idea to find a licensed insurance agent who is experienced in Medicare plans to assess your needs and objectives and offer optimal solutions to limit your financial exposure.
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