Senior Medical Insurance

There have been a few reports as of late that the Federal government is thinking about cutting Medicare benefits. Reputed changes to the present Medicare design could have an unfriendly effect on the country’s seniors. Regardless of whether this is valid or not stays to be seen, but rather numerous senior natives have become stressed over these cuts, which could clarify why numerous are beginning to investigate senior medical insurance designs.

The truth is that Medicare can be fairly befuddling, yet before looking for supplemental senior medical insurance designs, you should have an essential comprehension of Medicare. To enable you to deal with Medicare, we will separate it into four basic parts that are named Parts A, B, C, and D.

Medicare Part A

Medicare Part An is paid for with impose dollars, so subscribers pay no month to month premium. It covers inpatient hospital mind, nursing home care, and a bit of care in a private home.

Medicare Part B

Medicare Part B is like individual health care coverage designs. A yearly expense and month to month premium is charged for the coverage. This arrangement covers general expert charges including gear, word related treatment, active recuperation, and outpatient hospital mind.

Medicare Part C

This piece of Medicare is the place you will discover what have been named the Medicare Advantage Plans. These are senior medical insurance designs that are governmentally approved and that join the benefits of both section An and part B. There are extra benefits too, for example, professionally prescribed medication coverage.

Medicare Part D

This arrangement is the most current piece of Medicare, the remain solitary professionally prescribed medication coverage.

Medicare Has Gaps

Because there are a few holes in Medicare coverage, senior medical insurance designs have been intended to fill these holes. These exceptional insurance designs are regularly alluded to as Medigap designs.

Medical coverage organizations, for example, United Health, Blue Cross and Blue Shield offer these Medicare Supplement Plans 2018. In any case, these plans are different than ordinary wellbeing coverage designs in that they are institutionalized and approved by the Federal government.

There are Medigap 12 designs accessible and they are named with the letters A through L. You will probably discover more than one “A” plan from different insurance organizations, however they are all a similar arrangement. This implies when you look at a similar letter-specific named design between two suppliers, the coverage will be the same however the costs might be different. So for example,each insurance company that offers a specific Medigap design G will give an indistinguishable benefits from another company offering a Medigap design G available to be purchased. This is valid for each one of the lettered plans. When you begin looking for supplemental medical insurance, cost ought not be the main factor you use to pick the company that will give your Medigap design. Remember to likewise give careful consideration to online client surveys – while it’s great to get a low value, it’s shockingly better to get the care you require, when you require it.

Basic introduction to Medicare Pt 1

Medicare is the national health insurance program that entitles all recipients of social security who are either over 65 years of age or who are permanently disabled. In addition, persons receiving old-age pensions and those with end-stage renal disease may receive Medicare benefits.


Medicare is not a social program and should not be confused with Medicaid. The assets and income of a Medicare beneficiary need not be taken into account when determining the benefit or eligibility payment. The procedures of Medicare as a national program should not differ significantly from state to state.


Cover under Medicare is similar to private insurance companies: they pay part of medical care cost. The beneficiary often requires deductibles and coinsurance (partial payment of initial and follow-up costs).


Medicare includes two major protection components: they are Part A and Part B. The Part A covers for hospice care, inpatient hospital care,  in-patient care within a qualified care facility, and home care services. Part B covers medical care and services provided by physicians and other physicians, home care, durable medical equipment, and some outpatient nursing and home care services.


Part A of the program is largely funded by state payroll taxes paid by employers and employees into social security. Part B is funded by monthly premiums paid by Medicare beneficiaries and general federal revenue. In addition, Medicare beneficiaries themselves are sharing the cost of the program through co-payments and deductibles, which are required for many of the benefits listed in Parts A and B.

Get a quote for a 2019 supplement plan here

An increasing number of beneficiaries are funding their health services through managed care plans. Medicare’s Managed Care benefits are different from the traditional Fee-for-Services Medicare system, but coverage should generally be the same. In general, a Medicare-managed care plan manages the medical treatment of a student by a physician (referred to as a “gatekeeper”) who must authorize the patient’s referral to the specialized treatment. (For some Medicare managed care plans, beneficiaries may go directly to a specialized care provider for an additional premium without the consent of the gatekeeper.) A beneficiary may choose to receive Medicare insurance and care through a managed care plan. After the decision has been taken, the beneficiary is entitled to receive all of his care through the plan to obtain Medicare insurance. Beneficiaries may change their minds, unsubscribe from their managed care plan and return to “original” Medicare.


These plans are currently referred to by the administration as a “Medicare Advantage” plan. They are to offer options to finance Medicare health insurance. Options include the “coordinated care plans,” that is inclusive of managed care plans and medical savings accounts, private service plan fees, and other options. The beneficiaries should only enroll in such plans after careful consideration and reflection.


Medical Approval and Rolling


Eligible to participate in Medicare are persons who are entitled to social security from the age of 65 and persons entitled to disability benefits for at least 24 months.


Eligible persons may also be persons entitled to a retirement pension or a RBC, as well as persons suffering from end stage renal disease or ALS.


Certain employees in federal, state, and local governments who are not eligible for old-age or disability benefits from social insurance may qualify for Medicare benefits if they have worked for a sufficient period of time, and the part of “Medicare” part of Medicare Part A of their FICA benefits. Federal employees were subject in January 1983 to the hospital insurance of FICA.

Medicare Supplement Plans for Foreign Travel


Medicare Supplement Plans 2019The Original Medicare generally does not provide coverage for healthcare expenses during foreign travel. The citizens who travel overseas frequently will, therefore, need to purchase the appropriate Medicare Supplement plans which cover these international healthcare expenses. It is also highly recommended for citizens who live near the border and the nearest hospital which can effectively and immediately treat them is outside the US. Details of the Medigap plans which provide emergency healthcare expenses during foreign travel are as follows:


Ideal Medicare Supplement Plans for Foreign Travel

The Original Medicare covers healthcare expenses during foreign travel in only limited situations. The customers will need to purchase a Medicare Supplement plan which provides coverage for international healthcare expenses if they travel abroad frequently. These Medigap policies are issued by private insurance companies and can assist the customers in covering their out-of-pocket costs like cost-sharing and emergency healthcare expenses while foreign travel. Six Medigap plans- C, D, F, G, M, and N provide coverage for healthcare expenses in foreign countries. These six Medigap plans provide coverage for emergency healthcare expenses in foreign countries for US citizens during the first 60 days after their leaving the US if the same is not covered by the Original Medicare. The customers need to pay an annual deductible amount of $250 after which these plans will cover 80% of the total billed charges for certain emergency procedures. It is also important to note that the foreign travel emergency coverage under the Medicare Supplement plans have a lifetime benefit of maximum of $50,000.


In addition to the six Medigap plans mentioned above, four old plans – E, H, I, and J also provide coverage for foreign travel. These four plans are no longer sold presently, but if the customers have purchased these plans before January 1, 2010, they can keep them for availing healthcare benefits during foreign travel.



Best Time to Apply

The customers should ensure that they apply for the Medigap policies during the Open Enrollment Period (OEP). This ensures that the insurance companies will have to sell them the policies as long as they pay the premium. The company cannot refuse to sell the policy even if the applicant has a pre-existing health condition. If the OEP has ended, the customers should verify if they meet the conditions for guaranteed-issue rights so that the policy is issued to them. This will ensure that the customers get to purchase their preferred Medigap policy which will cover the international emergency healthcare expenses.

Medicare SELECT: An Alternative to Medicare Supplement Plan


The Medicare Supplement Plans can provide the customers with the best coverage and cover the unmet expenses of the Original Medicare. However, it comes at a cost with average monthly premiums in the range of $150-$200. There is another alternative to the costly Medigap policies- Medicare SELECT. These are modified versions of the standard Medigap policies and charge much lower monthly premiums. The customers need to be clear that due to the lower premiums, there is a tradeoff. They get restricted coverage to hospitals and doctors under the Medicare SELECT plans. Some of the salient details about the Medicare SELECT plans are provided below:


Differentiating Features of Medicare SELECT

The Medicare SELECT plans are not as widely available as the general Medicare Supplement plans. The customers need to check the availability in their respective states. Another important differentiating factor of the SELECT plans from the standard Medigap policy is the access to healthcare service providers. Under the Medigap policy, there is no restrictions and the customers can choose their preferred doctors and hospitals for treatment as long as they accept Medicare. Under the SELECT plans, the customers need to visit the network healthcare service providers under the plan for availing the policy benefits. Since there is a restriction to visit only the network service providers, the customers should be clear if they are comfortable availing healthcare services with the network service providers or not. The SELECT plans are much cheaper than the standard Medigap policies and can be preferred by value-conscious customers.

Get a 2019 quote for a supplement plan at

How Medicare SELECT Works

Like the standard Medicare Supplement plans, the SELECT plans fill the coverage gaps left by the Original Medicare. All the 10 Medigap plans are available as SELECT plans and the process of enrollment in them is the same as the Medigap enrolment. As the SELECT plans are based on the standard Medigap plans, they offer the same benefits. The only major restriction is the limited access to the healthcare service providers under SELECT plan where the customers can only avail the benefits if they visit a network service provider.

Is Medicare SELECT Recommended

The Medicare SELECT is a worthy alternative to the standard Medicare Supplement plans. It helps cut down the monthly premiums significantly. The customers if not satisfied with the SELECT plans, can disenroll from it within a year of signing up and can enroll in standard Medigap policies. The customers should verify if the SELECT plan works in their location and if they are fine with visiting the network hospitals, in which case they can purchase the plan.

Changing from Medicare Advantage to Medicare Supplement


Customers may want to change from Medicare Advantage to Medicare Supplement plans to meet their changing needs. There are certain periods during which it is easier to change plans and is recommended for switching from Medicare Advantage to Medigap plans.  The key details pertaining to switching of Medicare plans are provided below:


Ideal Period for Switching

To purchase Medicare Supplement plans, the customers should first leave their Medicare Advantage plan and return back to Medicare Part A and Part B as administered under the federal Medicare program. Customers cannot have both Medicare Advantage and Medigap plans at the same time. The customers can leave their Medicare Advantage plans only during certain time periods. Usually, customers can disenroll during the Medicare Advantage Disenrollment Period from January 1- February 14 and Medicare Advantage and Prescription Drug Annual Election Period from October 15- December 7. Once the customers have given up their Medicare Advantage plan and returned back to the Original Medicare, they can apply for Medigap policies anytime they wish. However, it is important to note that they will not be having guaranteed-issue rights so the insurance company may reject their application.


Switching Plans with Guaranteed-Issue Rights

In some cases, customers can switch from Medicare Advantage plans to Medigap with guaranteed-issue rights. However, these situations have time limitations and the customers need to apply for the Medigap policy within 63 days after the end of Medicare Advantage plan. If the customer purchased a Medicare Advantage plan when they were eligible for Original Medicare and they are unsatisfied with the plan, they can give up the Medicare Advantage plan and return back to the Original Medicare within 12 months. In such cases, they have a special right to purchase Medigap policies if they return to Original Medicare Part A and Part B within 12 months. In other cases when the customers move to an area where the Medicare Advantage plan does not serve or the Medicare Advantage plan does not serve the area where the customer lives, then they have a guaranteed-issue rights for Medicare Supplement plan.


Process for Switching

The customers should verify if the Medigap policy they wish to purchase is available in their location. The customers then should call the Medicare Advantage plan and inform them of their wish to leave and ask for disenrollment form. They can also call the Social Security Administration or they can also visit their Social Security Office for filing their disenrollment form.

Medicare Supplement Plans – What You Should Know About Them

Your original mediclaim policy does not pay for all your hospitalisation and medical treatment expenses. This is where Medicare Supplement Plans come in. It is not a standalone policy, though. You need to have a mediclaim policy to avail the Medicare supplement plan.

Different States, Different Plans

Different states have different Medicare plans. Let us checkout what is in there in Alabama.

Medicare Supplement Plans are for people who are above the age of 65 years. If one lives in Alabama and has normal mediclaim policy, he can go for a Medicare supplement plan. Medicare Part A generally covers hospital fees, inpatient care costs and hospice. Medicare Part B covers outpatient care, wellness programs, doctor’s fees and medical equipment charges. In order to get coverage for medicines, you need to enrol in Medicare Part D.

You can have Medicare Advantage which is also known as Medicare Part C, if you are in Alabama. These plans may also cover dental check-ups and prescription drugs. Apart from this, there are ten standard Medicare Supplement Plans which can cover the gaps in your mediclaim policy.

Out of the ten plans, available to citizens of U.S. six of them cover foreign travel medical emergencies and expenses. The plans are C, D, F, G, M and N. You need to pay $250 annual deductible and only 20% of certain medical services. The benefit that you get is $50,000 for a lifetime.

AARP Medicare supplement Plans 2019

Apart from these Medicare Supplement Plans, if you are in Alabama you can take assistance from Medicare Savings Programs. Enrol in these programs and avail discounts on co-payments, coinsurance and deductibles.

Manual Enrollment options can be found here:

You can manually enrol for Medicare Supplement Plans by:

  • Visiting your areas social security website
  • You can call the social security number 1-800-772-1213 anytime between Monday to Friday from 7 am to 7 pm.
  • One can also contact the Railroad Retirement Board.

And, one more important thing. There is a penalty for late enrolment. There are many private organisations in the market from whom you can purchase your plan. However, do keep a check on the genuineness of the policies. These plans have many benefits like, nurse’s fees coverage, hospice, domiciliary expense coverage and many more. Once, you enrol for them, you will understand.

So, why do you want to waste time, when you can have the best medical services for yourself and your family. Just buy the best plan suitable and relax.


Private health insurance is an important part of the budget for most people around the globe. Medical costs are on the rise along with technological advancement in medicine. With growth in the industry, costs for essential services are rising meteorically.

Medicare Advantage Plans are also an important part of the health insurance industry. With rising old age population who are living longer due to advancement in the field of medicine, insuring oneself against mishaps is becoming all the more important.

Medicare comprises of two parts, Part A and Part B. Part A covers hospitalisation and inpatient care treatments cost. Whereas, Part B covers all doctors’ fees and allied costs. Enrolment in Medicare Advantage Plans has become quite common. As per data derived from certain Survey partners, more than 65% of the aged population above 65 years of age are part of this plan. Of these, approximately 90% have Part A insurance covering hospitalisation costs and impatient services.

As per reports from 1977, more than 62% pf the beneficiaries are also covered for doctor visits. The low income group abstained from taking such insurance covers due to unlikelihood of medical emergencies in seemingly healthy families. However, rising double-income families and education have led to proper information regarding the benefit of such plans. Thereafter, many such lower income group families have now started opting for general mediclaim as well as Medicare Advantage Plans.

Federal laws in the country have consumer protection featuring high on their lists

They offer six-month open enrolment period when the first enrolment in Part B takes place. Apart from this, many states across U.S. have flexible plans for employees of private companies who constantly have to bear the brunt of ever-changing health insurance companies. Some of the states even have stringent laws in practice for insurance companies, so that pre-existing conditions are also covered.

As per recent studies and findings in the year 2015, one out of four people have AARP Medicare Advantage Plans. get a quote here

All the plans were standardized at the recent Omnibus Budget Reconciliation Act 1990.  Out of all the Medigap policies, Plan F is the most satisfying. It has coverage for most issues, including nurse’s services, foreign travel medical emergency costs and cost-sharing facility on all deductibles.

In the 20 states in the U.S. at least 25% of the population has Medigap. A small percentage of under-65 years aged population also has the policy.

So, this shows the popularity of the advantage plans. With time, more and more people are enrolling in these plans, due to the huge benefits and cost-saving features.

Let Us Checkout the Various Medicare Supplement Plans As Per State

So, by now you must know that you have the blessing of Medicare Supplement Plans, if you are staying in the U.S. Am I right?  Yes, that is the correct answer. Throughout the states, there are only ten standard plans for citizens, to choose from. You can purchase the plans from any vendor, whatsoever.

Medicare Plans in Alaska

Sorry, to disappoint you folks. This is the only state which does not have a Medicare plan support. Those who have a general mediclaim can, enrol in some of the state’s federal programs and receive similar benefits through Part A and Part B.

Medicare Supplement Plans in Florida are available here

Medicare Supplement plan A – The services which are 100% covered are Medicare Part A coinsurance and hospital fees after the general mediclaim has exhausted, up to a period of 365 days. Apart from that Medicare Part B is 100% covered in this plan. Then you also get the first three pints of blood in this plan. And, last but not the least Medicare Part A hospice coinsurance and co-payments, whichever is applicable. This is the most basic plan that an incumbent can enrol himself or herself in. The premium is also very low for this plan.

Let us talk about Medicare Supplement Plan F in Florida

This plan is best of the lot. It covers all of the benefits that Plan A covers and more. It covers skilled nursing facility, Part A and Part B deductibles as well as excess charges. It also covers 80% of foreign travel emergency services. Insured persons are supposed a pay an additional amount for deductibles apart from the insurance premium in this high value plan.

Georgia also gets the benefits of the ten standardised plans in Medicare supplement category. The benefits are the same; however the premium amount may vary depending on the company.  Medicare Supplement Plans are also available for people under 65 years of age. If you are disabled and cannot be covered under a Medicare supplement policy in other states, you can have that advantage over here. You just have to pay more, than the basic premium rate.

These plans will pay for out of pocket expenditure, co-payments, co-insurance and similar expenses. You can get more information about Medicare Supplement Plans in Georgia from and you get the best assistance available.

So, but the Medigap plan today and save out of pocket expenses for medicare.

The What and How of Medicare Supplement Plans A, N and D

It is indeed, very obvious from the name itself, that Medicare Supplement Plans supplement or give added coverage to your general Mediclaim policy. It fills in the gap, where your general Mediclaim policy stops coverage. These are not standalone products.

Medicare supplement plans do not provide coverage to citizens under 65 years and having sclerosis, renal diseases or any disability. The original Mediclaim pays only upto 75% of your medical costs. This Medigap plan fills in the gaps of your original Mediclaim policy.

The costs which are not covered under Part A and Part B of original Mediclaim, like deductibles, co-payments and coinsurance are covered by these supplement plans. There are ten different plans for you.

Let us checkout Medicare Supplement Plan A at

This plan has the minimum benefits to offer and is the most basic plan. It covers 100% of the following:

  • Part A coinsurance payments hospital stay expenditure for a period of a year after the original Mediclaim is famished
  • Part B co-payments and coinsurance
  • The first 568 ml of blood that might be required for the medical treatment
  • Part A hospice care co-insurance and co-payments

Medicare Supplement Plan A policy holders need to pay certain costs from their pocket, like Part A and Part B deductibles, skilled nursing facility costs and, Part B excess charges and foreign travel emergency. This is the most basic plan which most citizens go for. Those who do not want to pay hefty premiums for Medicare supplement plans go for Plan A.

Mutual of Omaha Medicare Supplement

Medicare Plan N and D

These plans are quite similar to one another, barring a few exceptions. The only difference between these two plans is how Medicare Part B co-insurance costs are handled. 100% of Part B co-insurance costs are covered by Plan N, except $20 payments for office visits and $50 for emergency visits.

Plan D covers the entire cost of Medicare Part B. These plans are the same across 47 states. They are standardised plans. However, the premium rates may vary with the different private players in the market. These plans cover the following:

  • Part A coinsurance payments hospital stay expenditure for a period of a year after the original Mediclaim is exhausted
  • Part A hospice care co-payments and co-insurance
  • Part A deductibles
  • Qualified Nursing care costs
  • Travel medical emergency costs

These plans are extremely necessary for today’s fast paced life with high costs. Select the best possible option and lead a tension-free life.


Facts Regarding Medicare Supplement Insurance

Although Medicare supplement insurance has become an extremely popular topic of discussion, there are certain misconceptions about it that everyone needs to be aware of. There are 4 facts about this insurance that need to be taken into consideration before you sign up for any particular plan.

Fact #1: Medicare supplement insurance costs will vary from one carrier to the next – despite the fact that these plans are identical, regardless of who you purchase them from, the cost of your premium will vary from one insurance carrier to another. So be sure that you shop several companies before committing to buy.

Fact #2: No matter who you purchase Medicare supplement insurance from, it is the same coverage – this insurance covers the gaps found in Medicare. There are different levels of benefits provided by this comprehensive 12-plan program labeled as Part A through Part L and many private insurance carriers may provide one or more of them. However, no matter who you purchase these plans from, the coverage will be identical. So if a company tells you that their plans offer certain unique benefits over other companies, don’t believe them.

Fact #3: Only one Medicare supplement insurance plan is needed – according to the law, you only need one supplement insurance plan. You can easily cover the gaps in your Medicare coverage by purchasing Medigap insurance. So if Plan D covers your specific needs, you will not need to purchase any other supplemental plans. As it currently stands, trying to sell you additional plans is illegal according to the Federal Government.

Fact #4: You are the only person who can be covered by a Medigap Plans – your Medicare policy covers you and no one else, unlike traditional insurance policies that oftentimes include coverage for your husband or wife. Married couples have to purchase individual policies should they want Medicare coverage. If a private insurance carrier tries to convince you that you can buy a Medicare insurance policy that covers both of you, they are not on the level and you should keep shopping other carriers.

In conclusion, remember that up to 80% of some hospitalizations, equipment, and treatments will be covered by Medicare. The exact amount will be determined by whether you have Part A only or Part B as well. Choosing the right Medicare supplement insurance policy will determine if you are covered 100%.