Medigap的定義是什麼？
Medigap的定義是什麼？
 Medigap plans (commonly referred to as Medicare supplement plans) are designed to help seniors who want high quality healthcare and are on Medicare, cover the gap between what hospitals and doctors charge for their services and what Medicare will pay.Health insurance is constantly changing, which can make finding the right plan for you very strenuous. Supplementing your Original Medicare coverage (Medicare Parts A & B) with a Medicare Supplement plan will help you create a very predictable expense structure for your healthcare and allow you to see any doctor you want that accepts Medicare. Any doctor that accepts Medicare will also accept your Medicare Supplement plan. There are 10 different Medicare supplement plans and they are all standardized, meaning a plan F from company A and a plan F from company B feature the EXACT same benefits. The 10 different plans available are plans A, B, C, D, F, G, K, L, M, and N (a high-deductible plan F is also available that features a $2,140 deductible in 2014 - the trade-off being a substantially reduced premium). Each plan offers certain benefits some more comprehensive than others. Each plan must cover a core set of benefits (also known as the basic benefits). The basic benefits are 1) Medicare Part A coinsurance plus coverage for 365 additional days after Medicare benefitsare used up. 2) Medicare Part B coinsurance or copayment 3) First 3 pints of blood 4) Part A hospice care coinsurance or copayment There's a total of 9 benefits that can be secured. The other 5 benefits available under a Medigap plan are: 1) Skilled Nursing Facility Care coinsurance 2) Medicare Part A deductible 3) Medicare Part B deductible 4) Medicare Part B excess charges 5) Foreign travel emergency (up to plan limits) Each plan features a different structure, Each plan covers a different combination of these 9 benefits (some of the plans feature coinsurance or copayments for certain benefits). If cost is not a major factor for you, Plan F will be the recommended choice because it covers all 9 benefits at 100% - it's the most popular plan by far. If you're looking to keep your costs down, but still have very comprehensive coverage, you may want to look at plans C, G, and N as well. When you're looking to buy a Medigap plan, you should consult with an independent Medigap insurance agent to review the plans in detail to see which one will best serve your needs, help you identify all of the carriers offering Medigap plans in your zip code, and which one will be able to offer the coverage to you at the lowest cost (the plans are standardized so the biggest difference between them is price - the benefits are exactly the same regardless of the carrier you have the Medigap plan through). I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage needs, including quotes and plan comparisons, and if you have any other questions. Thanks very much.
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