Archive for the ‘pennsylvania medigap insurance coverage’ Category

Using Pennsylvania Medicare Supplement Insurance

Monday, September 19th, 2011

It seems Medicare beneficiaries deal with more and more complicated issues on a daily basis.  There are hundreds of choices for plans which compliment basic Medicare coverage, and for those living in the state of Pennsylvania, several Pennsylvania Medicare supplement insurance choices are available.  Most beneficiaries already have a supplementary plan, but may not understand the proper use of these plans.

Most Pennsylvania Medicare supplement insurance plans work with your Medicare benefits to provide extra coverage for expenses.  The problem is, not all of these plans work the same way and not all plans will provide 100% coverage.  It is important that beneficiaries understand their coverage and which insurance plans are available to them before incurring medical expenses.  A full understanding of your Pennsylvania Medigap insurance coverage will help you avoid surprise expenses after visiting a doctor or obtaining medical supplies.

To learn about your plan, read through your policy materials, or call the customer service line for your Pennsylvania Medicare supplemental insurance plan.  Ask the following questions regarding the policy:

– Does the plan cover 100% of any copay after Medicare pays?  If it doesn’t, you will have to pay some of the expenses, so find out what it does cover.  A common set up is for the Pennsylvania Medigap plans to cover 80% of charges after Medicare.  So, if the charge was $100, Medicare might pay $80 and put $20 toward a copayment.  The supplemental insurance would pay %80 of the $20.  This means they pay $16 and you pay $4.  This doesn’t sound like much, but the expenses can mount quickly if you are not aware of them.

-Does the plan cover deductibles.  Medicare has an annual deductible of $110 for its Part B benefit.  This is the benefit that covers visits to the doctor, some supplies and other outpatient procedures.  If the plan does not cover deductibles, you will have to pay this amount each year before your insurance kicks in.

-Does the plan pay for items that are non-covered under Medicare’s Part B benefit?  Some services and supplies are not covered at all under Medicare.  A very good supplement insurance will also pick up some charges for these supplies, although the majority of these plans will only follow after what Medicare actually pays for.

-Does the plan offer a Pennsylvania Medicare Part D Coverage?  You should always know if you have a drug benefit associated with your insurance, because it can save you a great deal of money at the pharmacy!  Standard medical insurance policies hardly ever cover prescriptions, so ask about this benefit before purchasing insurance.

-What providers can you use under the plan?  Generally, most supplemental insurances will pay for services provided by any Medicare eligible provider.  However, there are some plans which operate under a managed care environment, and providers must contract with them.  Make sure your doctor is contracted with the plan, if that is the case.

Once you fully understand your Pennsylvania Medicare supplement insurance, you can avoid extra expenses and surprise bills.

Pennsylvania Medicare Supplement Insurance

Monday, September 12th, 2011

If you are lucky, you have not found yourself in need of assistance only to learn that the type of coverage you thought you had is non-existent. These things happen, and in a larger number than many of us imagine. Pennsylvania Medicare supplement insurance helps in such cases. The problem is misinformation about insurance quotes, which may or may not be a result of negligence by the insurance companies. However, playing the blame game on the thousands of elderly folk out there without proper cover in these times of information overload does not help at all.

Many of us find ourselves tied up in the wrong coverage plan or find that our particular needs are not catered to. At such times, we will want to modify or upgrade our package, but not everyone knows how to go about it.

Supplemental insurance works by giving you full Pennsylvania coverage, which is affordable. Outpatient and hospitalization insurance has a lot of gaps and this necessitates the use of Pennsylvania Medicare supplement insurance plans, which work by filling all the gaps in the 10 insurance plans offered in Pennsylvania. For instance, the Pennsylvania Medicare part D coverage covers high risk areas which are excluded by Medicare. The fact is, Medicare coverage offers less expensive coverage when compared to other covers like Pennsylvania Medigap plans, but in the end, you will find a lot of gaps in the coverage and will probably need to do away with it all together. All of this can be avoided if you purchase Pennsylvania coverage.

Cheap is not the best way to go when it comes to insurance and this is what a lot of people are beginning to learn after going through unnecessary trauma. Comprehensive Pennsylvania Medigap insurance coverage, which reflects your needs is available for you should you need it. There are complexities in insurance coverage generally, but Pennsylvania Medicare supplemental insurance is standardized, so the quotes in any particular plan will be the same. For instance, if we purchase a coverage plan D from one insurance company and purchase the same D plan from a different company, the details in coverage will be the same.

Depending on your particular coverage and income, you may wish to reduce your premium by omitting any coverage, which is unnecessary for you; this is what a lot of people do with Medicare Supplemental Plan D. They do not need the part B Deductible coverage so they do away with it. It is a good way to cut down on your premium.   

A few packages like the Medigap Plan F are rather comprehensive compared to the rest of the packages and they attempt to secure the needs of the individual to the maximum. You will notice this when looking at most of the angles in their health care. Pennsylvania Medicare supplement insurance makes coverage more comprehensive by covering many gaps in the middle. I would advise a thorough review of all the packages and quotes before purchasing coverage. If you are going to buy Medicare, make sure you know exactly what you are covered for. Pennsylvania Medicare supplemental insurance should be checked out.

How I Found The Right Pennsylvania Medicare Supplement Insurance

Monday, August 15th, 2011

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.

Understanding The A, B, C’s Of Pennsylvania Medicare Supplement Insuran

Monday, August 8th, 2011

As soon as I understood the different categories of Pennsylvania Medicare supplement insurance, finding the right policy was easy. The state of Pennsylvania helps its residents find ways to reduce health costs by insisting every company offer plan A and plan B insurance. Insurance coverage plans C through J are not offered by every insurance provider. By matching this valuable supplement to each individual’s need, people get the health care they need at a price they can afford.

Plan A

Plan A is basic Pennsylvania Medigap insurance coverage. This coverage pays hospitals $248 a day from the 61st day through the 90 day and $496 a day starting on the 91st day for a specified time. In addition, it covers the first 3 pints of blood, hospice care and some medical expenses.

Plan B

Like plan A, plan B. includes 100% Medicare part B coinsurance plus covers part a deductible. This is a substantial savings, as Medicare requires the patient to pay $992 during the first 60 days of a hospital stay and the first $131 of approved medical expenses. Both of these plans are fundamental coverage with affordable premiums.

Plans C Through J

Insurance companies get to pick which of these Pennsylvania Medigap plans they offer. By carefully comparing the different coverages and premiums, anyone can match a program to their health requirements. I like Pennsylvania Medicare part d coverage. This policy includes basic coverage and Medicare part a deductible. Having coinsurance for a skilled nursing facility is a required provision at my advanced age, any accident or hospital stay requires extensive recuperation. This plan also has foreign travel emergency protection allowing me to enjoy frequent Canadian adventures without health worries.

Before I discovered the various programs and found a competent insurance agent to explain them to me, I was baffled by all the advertisements on television, radio and in the newspapers. Finally, a caring agent took the time to explain how to find the right program. This agent asked questions about our health and any serious problems we had. Because I am diabetic, medical procedures, cuts, burns or breaks take a long time to heal. The insurance man said it was mandatory for our peace of mind that my wife and I carry insurance for skilled nursing or rehabilitation centers. After all, we cannot afford to pay this cost ourselves. This caring gentleman also asked if we had any other Pennsylvania Medicare supplemental insurance as he said he was required by law to make sure we did not carry duplicate policies.

The different Pennsylvania Medicare supplement insurance plans are easy to understand and compare when someone takes the time to explain what is covered and the cost. Plan A is the cheapest, plan B provides a little more protection and plans C through j allows people to customize this valuable pennsylvania insurance to their needs. The only way I found to get the right Pennsylvania Medicare supplement insurance plan is to analyze our health requirements and then find a policy to cover those issues.

What You Should Know When You Are Buying Pennsylvania Medicare Supplement Insurance

Monday, July 25th, 2011

When started researching Pennsylvania Medicare supplement insurance, I was overwhelmed by all of insurance plans provided by various health insurance providers.  If you are approaching retirement, I strongly recommend you start comparing Pennsylvania Medigap plans early.  When you do your homework, you can make an informed decision and get peace of mind in knowing you have the right supplemental coverage.  If you fail to do your homework as I did, you may end up investing in less than adequate Pennsylvania Medigap insurance coverage.  Do not assume you are fully covered by Medicare and understand how Pennsylvania Medicare supplement insurance plans will cover all of your medical needs.


Do Not Be Fooled, All Gap Insurance Plans are Regulated By the Federal Government


Health insurance companies will pressure you to buy the most expensive Pennsylvania Medicare supplemental insurance plan.  Sales agents pressure you with scare tactics of what may happen to your home, your family, and your life, if you buy the wrong supplement plan.  When I first signed up for my Pennsylvania Medicare supplement insurance, the insurance agent I dealt with successfully pressured me into purchase the most expensive plan available.  This plan is referred to as Medigap Plan N.  In order to qualify for Medigap N, purchasing Medigap A and B was a requirement.  I also had to invest in Pennsylvania Medicare Part D coverage separately if I wanted any coverage for prescription drugs.  After I ended up selecting all of the plans I needed, I quickly realized I was spending a small fortune on my supplemental Medicare insurance.


This is when I started researching what plans are best.  Yes, I admit, I should have done my homework before I signed up for my plan.  However, doing my homework later was certainly better than paying without a second thought.  When I started to doing my research, I discovered that the Federal Government regulates all gap plans.  While not all insurance companies offer all 12 gap plans, each company that does must offer the same benefits.  This enticed me to contact another insurance agent with the reputation of informing their clients and not pressuring them.


An Honest Insurance Agent Will Sell You the Right Pennsylvania Medicare Supplement Insurance


Evaluating what policies meets your needs and your budget, is the most important thing you can do.  Make sure to locate insurance agents in your area that are experienced in Medigap insurance.  When I sat down with my city’s most prided insurance agent, I found out that the plan I invested in gave me great benefits at a cost.  I informed my agent of my budget and my budget worked up a comparison chart to show my how much I could get for my money. 


The process of switching Medicare supplement insurance plans can be frustrating.  Sit down with an agent who will recommend the best policy to suit your needs.  When you invest in insurance, agents should think about your needs and not their commissions.  Customize your Pennsylvania Medicare supplement insurance make careful considerations before you choose one.

Why I Decided To Supplement My Medicare Coverage

Monday, July 18th, 2011

I recently had my sixty-fifth birthday and enrolled in Medicare, but I realized that it would not pay for all of my medical bills so I also started looking for Pennsylvania Medicare supplement insurance. I wanted coverage that would take care of me the way that I wanted to be taken care of. It simply seemed that there were too many doctors in my town who did not accept Medicare. Not even my long-time trusted family doctor accepted that sort of coverage. I asked his office manager what she would advise, and she told me to look at some Pennsylvania Medicare supplement insurance plans. A good plan, she explained, would allow me to keep visiting their office with little to no out of pocket expenses.


In addition to worrying about which doctor I got to visit, I also had other issues weighing heavily on my mind. I had read in a recent New York Times editorial that Medicare was running out of money. The columnist claimed that it was responsible for spending billions of dollars each year on the elderly and the chronically ill. I knew that there was no way that Medicare could keep up with these payments so I looked at Pennsylvania Medicare supplement insurance plans to give me additional peace of mind. However, once I started researching my options, I learned several things about Pennsylvania Medicare supplemental insurance.


I learned that Pennsylvania Medigap insurance coverage was heavily regulated by the state and federal governments. It did not offer what I had expected from a private insurer, but it offered a lot of benefits that I decided would be worthwhile. It would help me quite a bit now that my income was a little lower. Most Pennsylvania Medigap plans would cost the same amount of money regardless of my age. These plans would not allow me to see whichever doctor I wanted to, but they would help me in other ways. This coverage would pay for the co-pays that Medicare did not cover. It would not pay for long term care in the nursing home or hospital, but it would help me financially along the way. However, these plans did not seem to offer anything to help pay for the prescription drugs that I needed. I did not want to take hundreds of pills a day, but I needed a couple of prescriptions. For instance, I was on a small steroid to help with my arthritis. Without that drug, I would be in pain for most of the day.


Then, I found Pennsylvania Medicare part d coverage. This coverage would help pay for the cost of my prescription drugs. Depending upon which drug I was buying, it would offset anywhere from thirty to fifty percent of my out of pocket costs. I was more comfortable saving that money than spending it, and I really liked the flexibility that I got when I opted to add this additional coverage to my current government insurance plan. All of the research that I did on Pennsylvania Medicare supplement insurance helped me to realize where the holes in the Medicare coverage are, and I realized how helpful it is to add additional policies.

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