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Many seniors don’t want or need the out of pocket surprises, the “prior authorizations”, the denied claims or sudden change of doctors and hospitals, that can happen with HMOs and PPOs (see HHS report in right column).
In order to get the right plan, and the best price for that plan, here are some things that seniors should know when making choices:
• Medicare Supplement (Medigap) plans can be used at any provider that accepts Medicare patients.
Seniors using a Medigap plan have the freedom to choose any doctor or hospital that accepts Medicare patients—they are not restricted to HMO or PPO networks.
• Medicare—not the insurance company—makes the decisions about what is covered.
Seniors using a Medigap plan don’t have to worry about prior authorizations and denied claims. If Medicare covers the procedure, the Medigap plan pays the 20% “gap” in coverage.
• Medicare Supplement plans can be shopped—and changed—any time of year.
Medigap plans are not restricted to annual enrollment/disenrollment periods like Medicare Advantage plans and Part D drug plans.
• Medicare Supplement plans are standardized (different insurance companies must offer the same exact Plan F, Plan G, Plan N, etc.)
Be aware that different insurance companies can charge different prices for the same exact plan.
The greatest value we can share with you is our knowledge. If you have any questions regarding Medicare insurance, please contact us.
Become a Medicare Supplement expert in just minutes using our online screen sharing with a licensed agent. Call us today!
SIMPLY CALL (844) 300-2121 TO GET STARTED
Better choices…Medicare Supplement savings.