Medigap plans ARE created equal

Medigap is extra health insurance that you buy from a private company to pay health care costs not covered by Original Medicare, such as co-payments, deductibles, and health care if you travel outside the US Medigap policies don’t cover long-term care, such as stays in a nursing facility, or dental care, vision care, hearing aids, eyeglasses, and private-duty nursing. Most plans do not cover prescription drugs. You pay a monthly premium for a Medigap policy. However, if you use health services not covered by Medicare, your Medigap policy may save you money in the long run. You have to decide whether paying for a Medigap policy makes sense for you. Medigap policies are only available to people who already have Medicare Part A for hospital services and Medicare Part B for doctor services. People who have a Medicare Advantage plan cannot get a Medigap plan (and shouldn’t need one.) To learn about Medigap plans offered in your area, you can use the online Medicare Personal Plan Finder, contact your state’s department of insurance or contact me and we can discuss your options. Standard Medigap plans are labeled A through N and offer different levels of health coverage. Plans E, H, I, and J are no longer available to new subscribers. Premiums vary among insurance companies, but the benefits of each standard Medigap plan are always the same. For instance, a Medigap Plan C policy should offer set benefits no matter which company you buy it from. However, standard Medigap policies
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