The Eligibility Of Medigap Insurance Plan
A medigap insurance plan is an additional health insurance plan and it also known as Medicare Supplement Insurance plans
. However in some cases, especially for elderly people, the disbursement rate of Medicare health insurance policy is inadequate because it only pays the half of the total amount of medical bill being raised against the treatment of the proposer, in an average.Therefore, medicare supplement insurance plans are no doubt great health insurance plans but there are some constraints for the health insurance policies and it is the stringent eligibility criteria of this plan and this plan is to be chosen from 12 policy plan subject to existence of the said plan in the state where you are residing by.
One of the main restrictions about the medigap insurance plans is that it is not applicable for everybody. The eligibility of purchasing a policy depends on the age of the applicant as well as on the existing coverage he/she is enjoying against his/her normal Medicare policy. While these factors will be cleared, the appropriate medigap health insurance plan can be selected for an applicant. However the plan and restrictions of Medigap insurance plans are controlled by Federal Government rules. For example, if someone is enrolled in Medicare part C advantage plan and wants to carry on with the said plan, he/she does not require a Medigap insurance policy.
The eligibility criteria of Medigap insurance plan is exclusive for senior citizens who are at their age of 65 or more. The date when a person signs in for Medicare B plan he/she gets an automatic enrollment in a medigap policy. That means the policy holder can purchase a medigap policy according to the resident state rule and regulation about the medigap insurance plan, which is by default one of the 12 plans available within the territory of United States. However the advantage of Medigap policy for the senior citizens does not attract any extra premium and the policy holder can enjoy the same premium paid by other policy holders of under age.
If a person joins Part-C Medicare advantage, and the policy holder becomes eligible for the Medicare insurance policy plan and leaves the policy plan within one year she becomes eligible for purchasing a medigap insurance plan at her residing state without having any medical screening, coverage limits, and without having any compulsion of paying higher premiums.
Due to some internal problem some insurance providers have failed to continue with the plans Medicare Part C in some specific places in United States. The health insurance plan holders are, in this situation, gets automatically eligible for Medigap plan under A, B, C, D, being sold at the state where he resides and this enrollment in Medigap health insurance plan will be done without any health screening test and evaluation of the previous medical history.
Medigap health insurance Plans are thus a dynamic plan with different aspects; those who want to avail this plan it is better to contact insurance company representatives or an insurance consultant to be more specific on the eligibility criteria of particular individual.
For example, the insurance company can require a person to undergo medical screening. Based on her age or health history, the company might offer to sell her some policies but not others. It might also place limits on coverage, such as six months of exclusion before coverage begins for certain conditions. The company can also charge her a higher premium than for other people with the same policy, and it may include policy provisions that increase premiums faster or more abruptly than for other policy holders.
by: William Richards
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