How To Compare Medigap Policies

1. Insurance companies that offer Medicare Advantage plans engage in a familiar ritual every fall. Keep in mind, though, that guaranteed issue rights usually do click here not apply unless you apply for the Medicare supplement plan you want within six months of enrolling in Medicare Part B. This means that if you apply outside your guaranteed issue period, medical underwriting may apply and you may not get to enroll in the plan you want. The third option that is also heavily purchased by senior citizens on Medicare, is the Medicare Supplement Plan N. This particular policy is often one of the cheapest Medigap plans, and also offers less coverage than the other two plans mentioned above. If so, read the materials from your insurer or plan, or call them to find out how the coverage works with, or is affected by, Medicare. Medicare will cover this exam if you get it within the first 12 months of enrolling in Part B. You will pay nothing for the exam if the doctor accepts assignment. Contact eHealth today to get customized assistance with your Medicare coverage needs. Original Medicare does not offer these additional benefits. Medicare supplement insurance plans add additional coverage to fill the gap in coverage between Medicare and your actual medical expenses. Benefits, provider options, and prescription drugs are tailored to meet the needs of the plan's enrollees. The plans usually require that you have a primary care doctor or a care coordinator. Be aware that while you can change your mind about your coverage several times during the fall open enrollment period, Gavino said, you can only make one change during the January-through-March window.