While one might think that health insurance options would get simpler as we get older in Reading, Robesonia, Wyomissing, Sinking Spring, Myerstown, Wernersville, PA, and the surrounding areas, the truth is that there are still many options that need to be understood and properly applied to our lives. At Stubbs Insurance Agency, our goal is to help you with your Medicare insurance options, and one of those options to consider is the Medicare Supplement Insurance plans, often referred to as Medigap plans. These Medigap plans are only available if you choose to use the original Medicare health insurance option, and if you opt for one of the Medicare Advantage plans, Medigap plans are not available for you. But before you make a decision one way or the other, it is important to review all options so that you are choosing the best solution that fits your needs. Contact us today to schedule a review of Medicare Supplement Plans and how they can work for your needs.
Help To Cover Those Costs Not Addressed with Medicare
Generally speaking, when you use original Medicare (Parts A and B), you will have coverage of up to 80% of the bills from covered items. That additional 20% of costs are then the patient’s responsibility, unless you get a Medigap plan that addresses this ‘hole’ in the system. There are several different Medigap plan options, and these all cover the same things from carrier to carrier, so you only have to look at the several different plan options.
It will be important to consider several things during your review of the different standardized plans. What is your budget like on a monthly basis, what has been your healthcare usage in the recent past, and how do you expect that to change in the coming year or so. Being flexible with your provider is also a consideration, as is your travel needs to see medical professionals.
Get Help Understanding All of Your Options
Wading through the Medicare options, including the Medicare Supplement Insurance options, can be overwhelming. Fortunately, you have a knowledgeable partner with our team, and we will walk through the different plan options and explain how they differ from each other, and what that means for your budget as well as your health. And these can be looked at on a year-to-year basis, so that if one plan makes sense now but a different plan makes sense in a year, we can help you make that adjustment.
No two people in Reading, Robesonia, Wyomissing, Sinking Spring, Myerstown, Wernersville, PA, and the surrounding areas will have the same needs and goals with their healthcare insurance, and this is why Medicare Supplement Insurance plans exist. At Stubbs Insurance Agency we will take the time to go through all of your options and make sure that you choose the right solution for your needs. Contact us today to schedule your Medicare Supplement Insurance review.