How I Found The Right Pennsylvania Medicare Supplement Insurance

When I needed Pennsylvania Medicare supplement insurance, it was time to panic. So many choices were offered at different premiums, I was confused and afraid to make a decision. I could not afford to buy the wrong policy. Finally, I found the right insurance agent to help me. This insurance agent said to write down my medical history, any special protections I might need and buy the best Pennsylvania Medigap insurance coverage I could afford. It was easy to find the right policy and feel good about the coverage when I followed her advice.

Medical History

It only took 20 minutes to write-down the medical history at first. Over the next two days, I added more information. By making a complete list of prescriptions, past medical history, present conditions and possible future events, important items, like expensive arthritis prescriptions or severe hay fever attacks in the spring, were not overlooked. Besides the normal doctor visits, tests and prescriptions, I have to be concerned with the aftermath of any hospitalization. As I live alone, any serious medical condition requires recuperating in a skilled nursing facility. After checking the Medicare coverage, I discovered Medicare only pays for 20 days and will pay anything over $124 a day from day 21 through day 100.

Probable Needs

I am young and fairly healthy. The only known major medical problem is a painful left knee. As my doctors have recommended a knee replacement, this procedure will be done sometime in the next few years. Therefore, the Pennsylvania Medicare supplemental insurance must cover rehabilitation care as I cannot go home without help or pay this expense myself. My blood pressure is under control, my heart is in good condition and my cholesterol level is low. Although I need to lose 20 pounds before surgery, I have no other known health issues.

Analyzing Different Policies

When I called the helpful insurance agent, she set an appointment and said we would only need 30 or 45 minutes if I brought the information. Once I showed the agent my list, the insurance agent asked a few questions and then reviewed different Pennsylvania Medigap plans. Although she included some economy priced packages, she clearly explained why they might not work. Among the best options were Pennsylvania Medicare part D coverage, which included rehabilitation and the two options under part F, the regular plan and the high deductible plan. The high deductible plan F pays nothing until I pay $1860 but it was less expensive. All of these covered foreign travel emergencies. After analyzing the different benefits and premiums, I chose the lowest cost policy meeting my requirements. The insurance agent cautioned me to purchase a policy I could easily afford, as the premium will probably rise in the future.

With the help of a knowledgeable agent, reviewing Pennsylvania Medicare supplement insurance plans was easy. By looking at health issues and anticipating future needs, I got the best policy. Pennsylvania Medicare supplement insurance takes the worry out of the future and allows me to get the medical treatment I need.

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