2-If you have developed a serious illness or chronic condition, it may be better to quit your Medicare Advantage plan and return to original Medicare. Under original Medicare, you have coverage for any doctor or hospital participating in the Medicare program. This means you can see any primary care doctor, any specialist, and receive treatment at any medical center specializing in your ailment or condition. You will pay more under original Medicare, for Part B doctor coverage, Part D drug coverage, and Medi-gap supplemental coverage for your co-payments and deductible charges, than you have been paying for the Medicare Advantage plan. But you now have access to a bigger array of doctors and hospitals, an important tool in dealing with your new and challenging medical condition.
Best Medicare Supplement Insurance Quotes
Every Medicare supplemental insurance plan must follow federal and state laws designed to protect you. Medicare supplement plan insurance companies can only sell you a “modernized” Medicare supplemental insurance plan identified by letters A through N. Each modernized Medicare supplemental insurance plan must offer the same basic benefits, no matter which insurance company sells it.
Medicare Supplement Plan G
The reason why Medicare Supplement Plan G is more favorable many times is due to the fact that, on average, the Supplemental Plan G costs approximately $20 – $25 less per month than the more comprehensive Plan F, thus saving roughly $240 – $300 per year. With the only difference between Plan G and Plan F being the annual Medicare Part B Deductible ($140 in 2012), the premium savings on Plan G usually outweigh the additional cost of paying for the Plan F, and you can still enjoy virtually all of the same benefits.
How to Choose the Best Medicare Advantage Plan
Although PFFS plans typically allow you to go to any doctor, other healthcare provider or hospital, those providers must accept the plan’s payment terms and agree to provide treatment. Some PFFS plans have a network of providers who have already agreed to always treat plan members. You do not need to choose a PCP or get a referral to see a specialist in a PFFS plan. If you join one of these plans, you can also go to an out-of-network provider who accepts the plan’s terms, but your out-of-pocket costs will likely be higher. If your chosen PFFS plan does not provide prescription drug coverage, you have the option to join a Medicare prescription drug plan.
Compare Medicare Supplement Rate for Best Medigap Insurance Plan
And what’s better is that since Medicare Supplement Insurance is standardized from one Medicare Supplement insurance company to the next, you can get the exact same or even better coverage for lower Medigap rates. But who has time to shop dozens of Medigap (Medicare Supplement) insurance companies? Even more, why would you want to deal with the loads of information that they send you (that is more confusing than it is helpful) or with salespeople that want to come to your home and pressure you to buy what their Medigap insurance company is paying them to sell (not what’s necessarily best for you.) Well the good news is that you no longer have to. With one simple phone call to Medigap 360 you will talk to a licensed Medicare Supplement Insurance Specialist. He or she will be able to help you choose the right Medicare Supplement Plan and ensure that you are saving money and paying fair and lower Medigap Insurance rates.