Posts Tagged ‘medicare beneficiary’

Where To Find Pennsylvania Medicare Supplement Insurance

Monday, September 5th, 2011

Medicare beneficiaries living in the state of Pennsylvania may want to locate an established Pennsylvania Medicare supplement insurance plan to help defray medical costs.  However, if you are like me, simply searching for something like “Pennsylvania Medicare supplement insurance plans” online doesn’t provide much help.

There seems to be an infinite amount of information regarding these plans, and it can be difficult to understand which plan you really need.  A quick look online may spark an entire list of questions, such as:

– Do you need Pennsylvania Medicare supplemental insurance, or do you need Pennsylvania Medicare Part D coverage? 
– Is Pennsylvania Medigap insurance coverage better, and just what exactly are Pennsylvania Medigap plans? 
– How much should you be willing to pay for these plans, and do you need more than one? 
– What can you expect to be covered under the plan, and how much of your medical costs will you still have to pay for?

There are a lot of things to consider when researching these plans, but don’t worry.  You aren’t on your own.  There are many great resources available to assist beneficiaries in choosing the plan that best fits their need.

A first option is to contact a local health insurance broker.  If you already have car insurance, life insurance or home owners insurance, try those brokers first.  If you are comfortable dealing with these agents, the process of purchasing supplemental health insurance can be less stressful.

Of course, not all agents who offer car or life insurance deal in health insurance.  If your current brokers do not offer a supplement plan and cannot refer you to someone who does, then you will need to do a bit more research.  Begin by asking your friends and family for a referral.  Often, someone you know will have a plan they are satisfied with, and this may be the right plan for you as well.

If you don’t have any luck with referrals from those you know, there are many agencies who offer advice regarding such matters.  Check the local phone listings for helplines or brokers, and if you have an AARP or similar membership, call their customer service line.  AARP may be able to provide recommendations regarding supplemental insurance, and can send out brochures detailing available plans.

If you do decide to search for insurance online, make sure you read all information carefully and check up on any company before buying a policy from them.  You can read about companies on the Better Business Bureau site for your area.  Complaints, and whether or not they were resolved, will be noted by the Better Business Bureau.   This allows you to find out if the company has a history of satisfying customers.

Pennsylvania Medicare supplement insurance is a great investment for any Medicare beneficiary.  Although it can take some time and work to research these plans, you will be glad you did when you have a medical expense which is completely covered between Medicare and your supplemental insurance!

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