為什麼購買Medigap？
為什麼購買Medigap？
 Original Medicare (Parts A & B) only cover about 80% of a senior's health care expenses, leaving the insured responsible for the other 20%. While 20% doesn't sound like a very big figure, it can add up to a nice big medical bill really fast. For example, if you had a procedure done that cost $10,000 and Medicare paid for 80% ($8,000), you would be responsible for the other $2,000 of the bill - how many people can just get out their checkbook and write a check for that amount? That number can be a lot higher too. The idea of a Medicare Supplement plan (commonly referred to as a Medigap Plan) is to cover the gaps in coverage that Medicare doesn't pay for (e.g. that other 20%). You pay a monthly premium to get these gaps covered so you're not hit with large bills. The resulting major advantage is it allows a senior to create a much, much more predictable health care expense structure - and when you're on a fixed income, this is vital. A plan F is the most comprehensive Medicare supplement plan available in the marketplace today - plans C, G, and N are very competitive as well.
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