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.
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: https://www.medicaresupplementplans2019.com/aarp-medicare-supplement-plans-2019/
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.