如何選擇Medigap計劃？
如何選擇Medigap計劃？
 Medigap plans are fairly straighforward as they have standardized benefits (e.g. meaning a medigap plan F from company ABC is the same exact plan F from company XYZ). You can see the chart illustration of benefits in the Medigap guidebook on page 11 (free copies are available on the Medicare.gov website - I can e-mail a copy to you upon request as well). Some of the big advantages of Medigap plans are that there are no networks (you can go to any doctor or hospital that accepts Medicare) and the policy is guaranteed renewable. Most people buying a Medigap plan will purchase a plan F or plan G as they create the most predictable healthcare expense structures. Plan F offers the most comprehensive coverage - it covers all Medigap benefits at 100% from day 1. The advantage of this plan is that it creates a very predictable healthcare expense structure (for the most part, you're writing a check for your premium and you're done - you won't get hit with big bills for any Medicare-approved charge). Plan G is the second most comprehensive plan available - it's identical to plan F except you would be responsible for the Medicare Part B deductible ($147 in 2014). The advantage of a plan G is that in many areas the savings in premium per year are greater than the cost of the deductible. For example, if the difference in premium is $30 per month - you're saving $360 per year by taking on a risk of $147. The big factor to look at when comparing companies is the price of the plan you select. Remember - a plan F from one company is the same exact plan F from another (in short, why pay extra for the same coverage). I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage and if you have any other questions. Thanks very much.
問答
保險問答 多語言問答