Articles

Can spouses share the same Medicare Supplement policy?

You cannot be on the same Medicare Supplement insurance policy as your husband or wife; you must have separate policies. However, you and your spouse may be able to get a discount if you both buy individual policies from the same insurance company. Individual coverage Medicare Supplement Insurance is an individualized type of insurance. Unlike […]

Medicare out-of-pocket costs

The Medicare program provides significant medical coverage for its millions of enrollees, but the out-of-pocket expenses that come with that coverage can be substantial. Medicare out-of-pocket costs can range from small co-payments for routine care to large expenses for uncovered treatments. Out-of-pocket service costs can be even higher for those with certain diseases or those […]

2017 Medicare costs

Medicare Part B premiums and deductibles in 2017 increased from those in 2016, while Medicare Part A costs changed moderately, according to an announcement from the U.S. Department of Health & Human Services (HHS). The table below shows how Medicare out-of-pocket costs will change between 2016 and 2017. Medicare Costs 2016 2017 Part A monthly premium $411 […]

Does Medigap cover dental and vision care?

Medicare Supplement Insurance does not include dental and vision coverage. According to Medicare.gov, “Medigap policies generally don’t cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.” Medigap policies help cover some of the out-of-pocket costs not paid by Original Medicare. The 10 standardized Medigap plans provide up to nine different benefits, but […]

Are You Satisfied With Your Medigap Coverage?

A whopping 94% of senior citizens with Medicare Supplement insurance policies say they are satisfied with their health insurance coverage, according to a report by America’s Health Insurance Plans (AHIP). When respondents were asked whether they would recommend a Medigap plan to a friend or relative, 91% said they would. This 94% satisfaction level is […]

Choosing between Medigap Plan F and G

Medigap Plan G is a high-benefit plan that is commonly overlooked for the more-popular Plan F. However, Plan G is very similar to Plan F and may be cheaper in some cases. According to a 2016 article by Bankrate, despite Medigap Plan F being the most expensive Medigap plan, it is still the most popular. […]

Can I get a Medigap policy if I have a pre-existing condition?

You can get Medicare Supplement insurance with a pre-existing condition. Learn how to avoid getting charged more or being denied by insurers because of your health.

What are Medicare Part B excess charges?

Medicare Part B excess charges are the cost difference between the Medicare-approved insurance payment amount for a medical service and the amount your health care provider typically charges for that service. A Medicare Part B excess charge will only occur if your doctor does not accept Medicare assignment. If your physician accepts Medicare assignment, he or she must […]

Medigap brokers vs. Medigap agents

Medicare Supplement Insurance brokers are often confused with Medicare Supplement Insurance agents, but there are important differences between the two groups. Independent Medigap agents usually represent a single insurance company, whereas a Medigap insurance broker generally represents the insurance customer. An agent usually can only sell policies for a specific insurance company, whereas a broker can […]

Does Medicare cover sleep apnea equipment?

Medicare does cover CPAP machine therapy if you are diagnosed with sleep apnea. According to Medicare.gov, you are eligible for sleep apnea treatment options, but only if you are enrolled in Medicare Part B and have been diagnosed with obstructive sleep apnea. If you have been formally diagnosed with sleep apnea, you are likely eligible for […]

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