Choosing the health plan options can be a daunting process for Medicare beneficiaries. The people who are at the age of 65 or above qualify for the Medicare Health Plans. If a person is 65 years old and is receiving social security payments may automatically sign up for Medicare. However, if he does not want to opt for it, he can choose to get out of Medicare Plans. Original Medicare Part A&B pays for your many health care services. But you need to know that the Original Medicare does not pay for everything.
Part A covers:
- A portion of hospitalization expenses
Part applies to:
- Doctor bills
- Other medical expenses
Medicare Supplement Plans:
The Original Medicare Plan does not cover all the medical costs as already explained above. It only covers some health care costs, so here a need arises for the plan that could fill the gaps left over by the Original Medicare. The private insurance companies provide Medicare Supplement Plans to complement your medical coverage. In simple words, you can say that the Medicare Supplement Plans in PA covers the out of pocket expenses that are not paid by Medicare.
No matter which insurance company you pick the basic benefit structure of these Plans is the same because the Federal government sets the benefits of each Plan.
Why should one choose the Medicare Supplement Plans?
Here are the reasons you should pick the Medicare Supplement Plans:
- Large medical bill protection:
If you regularly need the Medicare cover and it is costly too then, you should select the Medicare Supplement Plan. For example, Medicare Part B only covers the eighty percent of Medicare supplies. Remaining twenty percent is your responsibility. If you are protected by the Medicare Supplement Plans, then the remaining twenty percent will be partly covered. It will be interesting for you to know that in many Medicare Supplement Plans it can be covered entirely.
- Coverage outside the U.S:
Original Medicare is limited outside the United States. If you are visiting outside the United States and get ill, then some Medicare Supplement Plans cover medical expenses.
- Option to pick any doctor:
A significant benefit the Medicare Supplement Plans provide is the choice to choose any doctor who accepts the Medicare. In other words, if you visit any hospital that participates in Medicare, you will be covered.
- Standardized Plans:
Another reason you should choose the Medicare Supplement Plans is that the law regulated all the policies under these Plans. No matter who your insurer is and in which state you are, you can get the benefit of these standardized Plans.
- Switching Option:
You can pick a Plan according to your needs and requirements. However, if you want to switch to a new Plan, you have to leave the current policy. Also, the insurance companies cannot cancel your Plan if you are paying premiums on time. Your plan will be renewed automatically every year. It means that these are the guaranteed renewable policies.