subject: Medigap California Is A Well Known Medigap Insurance Plan [print this page] Medicare original plan does not supplement all the expenditure of medical costs. So you have to supplement your original Medicare and this plan is known as medigap insurance plan. There are twelve standard Medigap plans. These policies are under the total administration of the private insurance companies. All of the Medigap policies from A through L have their own set of benefits. But along with that it is to be remembered that the Medicare Supplement Plans under the same letter cover should provide the same benefits irrespective of the company selling them. Therefore from whatever company you may purchase the Medicare Supplement Plans you are going to get the same benefits. But the amount of premium may vary with each company.
However, the Medicare Supplement Plans are totally administered and sold by the private health insurance companies and there are twelve standard Medigap plans available. There are a lot of medical costs that are covered by the Original Medicare plans. Rather to say almost all of the medical costs are covered by the original Medicare plans but still there remain some costs that the Original Medicare does not cover therefore in such situations there is the need for the Medicare Supplement Plans. It helps the beneficiary to pay for those costs are not been included under the policy coverage of the original Medicare plans. These plans range under the letter covers A through L and each of them have their own policy coverage. But all of the other plans provide the basic benefits of plan A and B. The plans A and B are known as the basic plans as these plans provide benefits similar to the Original Medicare. However it is to be remembered that one cannot get enrolled for a Medicare Supplement Plan if he or she is the beneficiary of the Medicare Advantage plan. The Medicare Supplement Plans doesnt work with the Medicare Advantage plans. Therefore in order to get the benefits of the Medicare Supplement Plans one need to switch over to the Original Medicare from their Medicare Advantage plan. If you are in Medicare advantage plan you cannot get the facilities of deductibles and coinsurance. Rather it is to be said that you wont need them unless you change back to the Original Medicare.
It is however needed that you go through all the offer documents of all the policies before you may choose the right one for yourself. In that case you may need to seek the help of some insurance agent so that he may guide you through the plans and help you choosing the right one. Insurance agents are much more aware about the pricings of the premiums of the different insurance companies; therefore seeking the help of an insurance agent can prove to be much helpful for you. Moreover it should be kept in mind that the Medicare Supplement Plans do not work with the Medicare Advantage plans therefore if you are already having Medicare Advantage plan you cannot enroll yourself for any Medicare Supplement Plan unless you switch over to the Original Medicare.
by: William Richards
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