Medicare Supplement Plans

T here are two fundamental levels to Medicare that are important to understand: original Medicare and supplemental insurance, or Medigap. Medigap is additional coverage that fills in the gaps left by Original Medicare. Although Medicare pays most costs of the health care services and supplies covered, there are some copayments, coinsurance, or deductible expenses remaining. The right Medigap policy can help ease the burden of some of these health care bills and assist with care even when traveling outside the U.S.

If you have additional questions not addressed in the following article, contact one of our licensed agents who can help you get started on your Medicare Part C Plan. Contact the insurance professionals of McCunis-Fox today to review your options…

MMedicare Supplement Plans, also called Medigap, are different from Medicare Advantage Plans. They provide additional coverage that fills in the gaps left by Original Medicare. Although Original Medicare pays many costs of the health care services and supplies covered, there are some copayments, coinsurance, and/or deductible expenses remaining. The right Medigap policy for your situation can help cover some of these health care bills and assist with care even when traveling outside the U.S.

If you have additional questions not addressed in the following article, contact one of our licensed sales agents who can help you find and enroll in a Medicare Part C Plan. Contact the insurance professionals of McCunis-Fox today to review your options.

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Types of Medicare

M edicare itself is divided into parts A, B, C and D. Part A covers inpatient care and other hospital costs. This includes medical care in nursing homes, hospice care, and home health services. Part B focuses on two priorities: preventive and outpatient services. Necessary services would be any medical care required prior to diagnosis and treatment of a medical condition. Preventive care is received to prevent illness, like getting an annual physical or certain preventative medical screenings.

Part C is also known as Medicare Advantage Plans, which cover all of the same things as part A and B, but these Medicare-approved insurance plans can be less expensive. They are offered by private insurance companies and come in the form of HMO, PPO, PFFS, and SNP plans. They may also include extra benefits such as dental, vision, hearing, and gym memberships. Medicare Supplement Plans protect your health and give you more control over the kind of provider you get coverage from. Part D helps cover the cost of prescription drugs.

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How to Enroll

First, you should call the Social Security Administration or visit their site online to get some answers to your initial questions. Initially, you will want to enroll in Medicare part A as well as B. Some individuals automatically qualify for other parts of Medicare coverage if they already get other benefits like Social Security, etc.

Next, after confirming your eligibility for part A and B, you will want to determine if you need a Medicare Supplement Plan or Medicare Advantage Plan. It is very important to maintain coverage through an employer or private insurance agency when retiring to avoid late enrollment penalties after your 65th birthday. This is a lot to take in and consider; and it can be very confusing to try to determine which path is best for your needs. Call McCunis-Fox Health Insurance Brokers today for answers to your questions on Medicare.

Medicare Carrier Advantages

A Medicare Administrative Contractor (AKA MAC) works with Medicare carriers to process claims and provide other Medicare services. The Centers for Medicare and Medicaid Services tap into this network of carriers as their main source of communication between Medicare and participating health care providers. Medicare consists of private insurers handling the bulk of administrative duties like processing appeals and claims or contracting health care providers.

Our expert licensed insurance agents will provide you assistance to better understand your Medicare enrollment, plans, and related benefits. We walk you through the process, beginning with the basics, and show you ways to expand your coverage without breaking the bank. McCunis-Fox is here to give you access to the necessary information you need to select the best Medicare plan that works for your medical needs, not against them.

Essential Medicare Details

Fundamentally, Medicare is a federal program for people with specific cases of disability, those who are sick with end-stage renal disease, and anyone 65 and older. There are various sectors to Medicare in order to provide coverage for a substantial amount of services and health areas.

However, you can find specific Medicare Supplemental Plan health care coverage options to help fill in the gaps that Medicare does not. With this Medicare Supplement coverage, you will be able to receive care from any doctor, hospital, or provider enrolled in Medicare. Prescription drug costs can be unpredictable and sometimes expensive. Take a look at Medicare’s part C and D plans that may help cover you with these and more additional healthcare expenses.

Medicare Advantage Plan carriers and licensed sales agents can help you sort through your top healthcare provider options. Contact McCunis-Fox Health Insurance Brokers to work with a licensed sales agent to help you successfully pick the best Medicare options for your medical needs. We are confident that our experienced team will find you the best solution for your situation.

What a Medicare Carrier Can Do For You

Medicare Advantage Plan and Medicare Supplement Plan carriers provide services and process claims under strict government regulation. They are charged with reviewing any claims filed and determine which of these will qualify for some type of compensation. A carrier also enforces payment policies for the regions in its area. Once these policies are established, Medicare claims are evaluated one by one to ensure the necessary medical services were offered within reason.

Selecting your Medicare coverage can be difficult and confusing without an insurance professional to guide you through your options. The fact that there are so many choices is good for you and means you can select a plan that is just right for you. But do not settle for less than you deserve if you are stressed out, lost, or because you feel overwhelmed with the process.

McCunis-Fox looks forward to hearing from you and helping you find the right Medicare solution for your needs. Call us today and learn how Medigap or Medicare Advantage Plans can cover your healthcare needs. Our team of licensed insurance professionals is committed to providing superior service and instruction.

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