Medicare Supplement Insurance, also called Medigap is private insurance that fills the gaps in your Medicare
Part A and Part B coverage.
To help pay the costs that Parts A and B don’t
cover, many people purchase Medicare supplement
policies, or “Medigap” policies. These policies cover
some or all of the expenses that Medicare Parts
A and B do not cover.
Medigap
policies aren’t a government benefit,
like Parts A and B. They are insurance policies
sold by private companies. Whether you buy a
policy is up to you.
All Medigap policies provide an additional
365
days of hospital care during your lifetime, beyond
your Medicare lifetime reserve
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Medigap 101
Chances are there's a plan for you, no matter what your situation:
* You're just now eligible for Medicare, due to age or disability,
and making your first plan decision
* You're reconsidering your current coverage
* You have some retiree coverage and need a Medicare prescription
drug or medical plan to round out your coverage
* You're on Medicaid and eligible for Medicare
Long Term Care Insurance
According to the US Dept of Health, 70%
of Americans will need some long term care.
Long term care is the largest unsecured
risk facing Americans today.
Health insurance and Medicare will not pay for most long term care. Wouldn't you want home care?
You can wait but it won't be any cheaper and you may not
be any healthier than you are today.
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