Frequently Asked Questions about Medicare Supplement Plans: Insights from a Supplemental Medicare Agency in Highland, Indiana

Private agencies sell Medicare supplement plans (or Medigap) to help supplement the traditional Medicare costs. After receiving medical services, Medigap pays for your expenses once you and Medicare have paid your share. But there are multiple types of Medigap policies available that can help cover your out-of-pocket expenses. As such, many individuals have questions and concerns when it comes to finding the option that best suits their financial and medical needs. To help give you a better understanding of the topic, this supplemental Medicare agency in Highland, Indiana is going to answer some of the most commonly asked questions below.

Who Can Apply for a Medigap Plan?

Medigap is a private health insurance plan that individuals can enroll in on their own. Its eligibility criteria include the following:

  • 65 years of age
  • Be eligible for Original Medicare
  • Enrollment in Part A and Part B
  • Have a qualifying disability or illness

When Should I Apply for Medigap?

There are multiple periods when you can apply for Medicare — but there are only specific times to add to your coverage. In most cases, your supplemental Medicare agency in Highland, Indiana will recommend applying for Medigap as soon as you enroll in Medicare Part B. Also, it’s important to note that you can only add Medigap to the original Medicare, and not to the Medicare Advantage plan.

What Does Medigap Plan A Cover?

Every plan will cover some extent of Medicare Part A and Part B coinsurance, hospital fees, copay, and other fees. Some plans might also cover emergencies during foreign travel and skilled nursing facility costs. It isn’t the same as Medicare Advantage — Medigap only pays for whatever coverage you already have.

Do All Doctors and Hospitals Accept Medigap?

Most Medicare supplement insurance plans allow individuals to visit any doctor and hospital anywhere in the United States. Facilities and experts that accept Medicare will also accept supplemental Medicare. Do not hesitate to reach out to a reputable supplemental Medicare agency in Highland, Indiana to learn exactly how it works.

What About the Prescription Drug Coverage?

Medigap is a supplement to Original Medicare. It doesn’t cover additional services like dental care, vision care, and prescription drugs. To receive coverage of this type, you’ll require a Part D Medicare plan or choose a Part C plan. Please ask a supplemental Medicare agency in Highland, Indiana, for further help.

Which Preventive Services Are Covered by Medicare?

Medicare covers a wide range of preventive services. A few of these include medical exams, lab tests, screenings (cancer, obesity, and cardiovascular), vaccination shots, medical supplies, counseling, health monitoring programs, and annual wellness visit. These services included in Part B come at no cost to you, but with certain restrictions. Extra benefits — such as eye examinations, dental cleaning, and single vaccines — are covered under Part C (Medicare Advantage). Talk to an agent for a better understanding of your coverage.

Should I Purchase Medicare Supplement If I Already Have a Group Insurance Policy Through My Employer?

If you have a traditional Medicare plan, it can be beneficial to purchase Medigap. However, it’s important to review your coverage with a supplemental Medicare agency in Highland, Indiana to make sure you are not getting double-covered. Also, when your group coverage ends, you may want to consider enrolling in Medicare Part A and B. If you’re eligible for a premium-free Part A plan, you can enroll in that when you’re first eligible for Medicare. You also get an 8-month special enrollment period to opt for Part B after your employment ends. If you keep both Medicare and employer coverage, you must coordinate the benefits for both plans to work together.

Looking for a Supplemental Medicare Agency in Highland, Indiana?

Are you ready to discuss your coverage options with an experienced supplemental Medicare agency in Highland, Indiana? If so, our experts at Senior Care Insurance Services (SCIS) are here to help. We have the knowledge and experience to help you make an informed choice about the supplemental plan that is right for your situation. Contact us today to get started.


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