Pre-standardized Medigap plans
Pre-standardized Medigap plans are plans sold before July 1992. Before 1980, Medigap plans (also called Medicare Supplement Insurance) were regulated solely by individual states, according to a report by the Office of Inspector General for the U.S. Department of Health and Human Services (HHS). Th...Read More
Can I get a Medigap policy if I have a pre-existing condition?
You have guaranteed access to a Medicare Supplement insurance policy if you buy during your Medigap open enrollment period, even if you have a pre-existing condition. It’s possible to get a policy after the enrollment period, but it’s not guaranteed.During the open enrollment period, insurers ca...Read More
Medigap Plan F and Plan C are ending
Two popular Medigap plan options in the United States are ending in the near future.Medigap Plan F and Plan C are going away because of a new law that no longer allows Medigap policies to newly eligible beneficiaries to cover Medicare Part B deductibles after 2020. Newly eligible Medicare beneficiar...Read More
Which Medigap plans are most popular?
The most popular Medicare Supplement Insurance plan is Medigap Plan F, according to 2015 statistics from America’s Health Insurance Plans (AHIP). Plan F accounts for 57% of all Medigap policies in 2015. Medigap Plan C, Plan G and Plan N are the next most popular Medicare Supplement Insurance...Read More
Does Medicare cover sleep apnea equipment?
Medicare covers 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 ...Read More
Does Medicare cover dialysis and kidney transplants?
Medicare and Medicare Supplement insurance provide expansive coverage for dialysis and kidney transplants, two common treatments for End Stage Renal Disease (ESRD).ESRD is a condition where your kidneys lose most of their function or stop working completely. When functioning properly, kidneys help f...Read More
What if I cannot afford Medicare?
Medicare was developed to expand medical care and health insurance affordability for citizens who are disabled or 65 and older. Original Medicare (Medicare Parts A and B) provides many benefits, but you may have to pay out-of-pocket costs to use those benefits. Medicare coverage comes with monthly p...Read More
What are Medicare excess charges?
A Medicare excess charge is 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.Medicare excess charges only occur if your doctor does not accept Medicare assignment. If your phys...Read More
What is first-dollar Medigap coverage?
First-dollar Medigap coverage is when a Medicare Supplement insurance plan covers both the Medicare Part A and Medicare Part B deductible. With first-dollar Medigap plans, policyholders don’t have to pay these deductibles before their Medicare health insurance benefits kick in.Medigap Plan C and ...Read More
10 facts about Medicare
Medicare can be overwhelming, so it is important to start with the basics. Listed below are 10 facts you should know about Medicare.Fact 1: Medicare is for seniors and the disabledMedicare is a federally-funded health insurance program for people age 65 or older and some younger people who have qual...Read More