Why Medigap Plays an Important Role in Healthcare

Medigap Plans in Utah

Why Medigap Plans Play an Important Role in Healthcare

Even if you have Medicare Part A and Medicare Part B, you know that your Medicare plan doesn’t cover all the costs associated with your medical visits. For some, not having all medical expenses covered might not be a big deal, but for others it could be a financial hardship. Fortunately, there’s a Medicare supplement insurance plan known as Medigap. In Utah, Medigap works just the same as it does in other states. In other words, Medigap pays for some of the medical costs that Medicare doesn’t cover, such as the following:

  • Co-payments
  • Deductibles
  • Health care that happens outside of the U.S.

This is why Medigap plays an important role in healthcare. Without it, people on Medicare plans wouldn’t have ways to pay for healthcare costs not covered by Medicare. Keep in mind that while Medigap does help with certain healthcare costs, it doesn’t cover absolutely everything. It doesn’t cover long-term care, dental care, vision care, hearing aids, eyeglasses, and private-care nursing. However, it does provide that little cushion of financial security for people stressed about the main payments for a doctor’s visit or hospitalization that Medicare doesn’t cover. It’s also important to know that when you purchase Medigap insurance, you don’t cancel your Medicare enrollment. You keep all of your Medicare rights and protections.

What Benefits do Medigap Policies Cover?

As outlined in the previous section, Medigap (also known as Medicare supplemental insurance) helps with co-pays, deductibles, and healthcare outside of the U.S., but there are terms and conditions that go along with that.

There are actually 10 different Medigap plans each labeled A through N. Each plan has standardized benefits across each plan letter, which means each plan will have the same benefits regardless of the state you live in or the insurance company you buy from. (However, Massachusetts, Minnesota, and Wisconsin standardize their plans differently). The difference is the insurance company itself—the quality of service and the price. Here is a chart explaining the different Medicare supplement plans and their benefits.

If you find yourself feeling a little confused or if you already have a Medigap plan but don’t know what your Medigap insurance may cover, don’t worry. That’s what health insurance Utah companies are for—to guide you along and help you understand each plan, each benefit, and how to find the right Medigap plan for you. In fact, the following section outlines some tips and ideas for finding the best Medigap plan and insurance provider to go along with it.

How to Know You’ve Found the Right Medigap Plan and Insurance Provider

How do you know which Medigap plan to get? With several different plans, each one a little different from the other, it can be overwhelming to decide on one that’s going to be the best fit for you. To get started on making a decision, it’s important to first assess your financial situation and what you need most medically. For instance, do you travel outside of the U.S. a lot? Do you frequently have hospital visits? Do you use a Skilled Nursing Facility? The answers to these questions will help you determine what plan will work best for you.

In addition to evaluating your medical and financial needs, talking to an insurance provider can also help you determine which Medigap plan will work best for your situation. In fact, how they answer your questions is one of the ways you can tell if the insurance provider is the right one for you:

  • Do they answer your questions politely and sincerely?
  • Are they eager to help in any way they can?
  • Do you feel comfortable talking to them about your medical situation?
  • Are they easy to contact if you have more questions?

You’ll know when you find the right insurance provider because you’ll feel confident and happy with how they’ve treated and helped you. You’ll also know, after comparing different insurance companies, that the one you’ve picked has the highest quality and best prices. When it comes to insurance providers, nothing beats exceptional customer service, quality plans and benefits, and affordable prices.

Contact EMI Health Today to Learn More About Our Medigap Plans

If you’re looking for an insurance provider that excels in everything outlined in the previous section, look no further than EMI Health. EMI Health offers Medigap in Utah to help cover the costs that your Medicare Part A and B plans don’t cover. Not only will we guide you along in picking the best Medigap plan for you, but we’ll also make sure it fits your financial situation. We also offer a variety of healthcare plans, with dental in Arizona being one of our specialties. Contact us today to learn more by calling 1-800-662-5851 or by visiting www.emihealth.com.

Sources:

  • http://www.webmd.com/health-insurance/medigap#1
  • https://medicare.com/medicare-supplement/medigap-plan-benefits-chart/