You need Medicare Supplemental plans to cover up some of the holes in your Medicare plan. Regular Medicare plans do not cover everything. At your old age, you need not have to worry about these blank spaces in your medical insurance policy if you have the Medigap policy. You are eligible for the open enrolment if your age is sixty-five. You can opt for the following options while choosing a Medigap plan for insuring your health care:
- Medicare Part A and Part B are provided by the government.
- Medicare Part D provides prescription drug coverage.
- Medicare Part C is also known as Medicare Advantage Plans. This plan is a combination of Part A and Part B plans along with some additional benefits.
Always remember, you cannot have both the Medigap Plans and the Medicare Advantage Plans. You can have only one plan at a time. You switch from one plan to another if you want. If you are a part of Plan C or Plan D, then at the end of the year you can change it. Check their websites and discuss with experts and experienced people to learn more about these kinds of schemes.
What should be your steps while enrolling for Medigap policies?
- At first you have to go to their web site and search for quotes related to Medicare Supplement Plans, and then you need to provide your name and a valid email address to get your quote from an insurance company. You will be able to compare and then choose from multiple sites containing similar kinds of quotes.
- After clicking on to a particular site you have to provide your personal information like name, phone number, email, address etc. Once you submit all the details, agents from the companies will start contacting and emailing you to sell various Medigap plans.
Once you provide your personal information and contact details, there is no coming back from it. Agents from different companies will start contacting telling how good and unique their scheme is. It is advised not to rely upon these agents completely. They are just lead sellers. They might not have the full knowledge about the schemes and might dupe into some scheme which is not at all suitable for you. These companies just collect you contact information and keep calling and mailing you regarding various schemes but might not actually help you understand your scheme. Do your own research and discuss with people who actually know about these Medicare Supplement Plans.