什麼是醫療保險補貼保險？
什麼是醫療保險補貼保險？
 Medicare gap insurance, Medicare supplement insurance, Medigap . . . all the same. Like Kleenex and tissue, the terms are interchangeable. Original Medicare only covers about 80% of your hospital and outpatient charges. Seniors with a healthy bank account may not need or desire to purchase a Medigap (supplement) plan. While you may be healthy now, your health can change at any time. If you are hospitalized 3 times during a calendar year for unrelated medical conditions you will have to pay a deductible of $1184 (2013 Medicare Part A deductible) for each admission. Medicare Part B outpatient charges can become expensive as well. After you have paid the calendar year Part B deductible of $147 (for 2013) you are responsible for 20% of the remaining charges not paid by Medicare. An $800 CAT scan can leave you owing several hundred dollars. Medigap plan F is the easiest to explain. It covers everything approved by Medicare Part A and Part B but not paid by Medicare. Plan F covers deductibles, copay's, coinsurance. Plan F is the most popular, purchased by about half of those who buy Medicare supplement plans. Plan G (or in some states, D) is next followed by plan N.
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