Medicare Doesn’t Cover Everything

You cannot enroll in a Medicare Supplement unless you have Part A and Part B of Medicare. Medicare Supplements sometimes referred to as Medigap plans pay health care costs that Medicare does not cover (deductibles, coinsurance and co-payments). If you don’t have a Supplement and Medicare is your only coverage you will have to pay the Part A Medicare hospital deductible of $1,340.  Medicare only covers 80% of the cost for doctor office visits and outpatient care. Without a Supplement you are responsible for the other 20% which means your medical bills could quickly add up to thousands of dollars.

With a Medicare Supplement you can keep your current doctors or go to any doctor or hospital that accepts Medicare patients. You can see specialists without a referral and are fully covered when you travel anywhere in the United States. Medicare Supplements do not cover prescription drugs, so you will need to enroll in a Part D Medicare Prescription Drug Plan.

Don’t Miss This Opportunity

The best time to enroll in a Medicare Supplement is during your Open Enrollment Period. When you first activate your Medicare Part B at age 65 or older, you have six months to enroll in any Medicare Supplement Plan offered In Alabama without having to answer health questions. Your acceptance is guaranteed, and pre-existing health conditions are covered immediately. After your Open Enrollment Period ends you can apply for a Medicare Supplement later, at any time, but you must answer all health questions and could be denied coverage because of pre-existing health conditions. Enroll in a Medicare Supplement during your Open Enrollment Period where health condition won’t matter then or in the future.   Call me now with any questions you have about Medicare and get expert advice at no cost or obligation.