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It may sound a little confusing when you read or hear two names mentioned, but Medicare Supplemental Insurance and Medigap Insurance are the exact same thing. Both are optional insurance policies that help take care of the inadequacies of any co pays, deductibles or coinsurance gaps that original Medicare Plans A & B do not address. But when an annuitant of Medicare starts looking for supplements they'll be happy to know that only government approved companies can sell these policies. That's a good thing. There are several important things to know about Medicare Supplemental Insurance before you start looking for a policy. #1) You are required to have Medicare Parts A & B. #2) You will have to pay a monthly premium to the insurance company you choose for your supplement. #3) Your supplement or gap policy will only cover you, not your spouse. He or she will need to get their own. #4) You will be required to purchase a supplement policy with a state approved company that is also on the government approval list. #5) Typical supplement/gap policies will not cover drug benefits. #6) You will be required to pay your Medicare Part B premium unless your state Medicaid pays it for you. Since the insurance company approval list is a mile long, be wise in your choices and options. Costs will be different. In other words, it is beneficial to shop around and keep an eye out for the best dollar rate for your desired coverage. Your computer is the best way to find which company has the plan best suited for you. You can speak with each company for important information or read the forms online. Another option for you is to deal directly with the chosen company and not via an agent. On the other hand, if you desire, try tossing your shopping list inconveniences to one agent and let him or her do the work. They may be able to find companies on the list you overlooked that can possibly provide your medical needs for a lower cost. For additional help and to find answers to questions visit: www.medicare.gov. They also provide updates on 2011 policy changes.
Medicare,Supplemental,Insuranc