Medicare provides beneficial coverage for health-related expenses, but it does not cover all health care expenses. There are several gaps in Medicare coverage that you either pay for out of pocket or with a private insurance period. A Medicare supplement insurance policy is a health insurance policy also called Medigap sold by private insurance companies to help fill in these gaps.
Although private insurance companies provide Medicare supplement coverage, Medicare supplement insurance plans are strictly regulated by both federal and state governments. Make an informed decision about what is suitable for you. Before you purchase a plan, make sure you understand what your Medicare coverage includes. Then choose a Medicare supplement plan that best fits your needs.
a Medicare supplement insurance policy helps you manage and budget your healthcare costs with predictability and stability. Unforeseen medical expenses can put your savings at risk. A Medicare supplement insurance policy allows financial security and Peace of Mind. It helps you pay the out-of-pocket costs for Medicare-approved services and works hand in hand with Medicare to ride more insurance coverage.
A Medicare supplement insurance policy has no limiting networks. You can visit the physicians of your choice, and you have the freedom when choosing a healthcare provider, including specialist and specialty hospitals. With automatic claims filing by most providers come you have fewer things to worry about.
At Songer benefits, located in Beckley, WV, serving southern West Virginia, we offer Medicare supplements from every major health insurance company. We can easily quote and enroll online or in-person every Medicare supplement option that you have. We can also enroll you in a standalone prescription drug plan that will complement your Medicare supplement, so you're out of pocket expenses will be predictable each month.
Medicare supplement policies include Plan A, Plan B, Plan F, Plan G, Plan N. There are also high deductible options available. Some of the great features of the Medicare supplement plan include a 30-day free look. Return any policy for any reason within 30 days after receipt for a full refund of all premiums paid. A 12-month rate guarantees no rate increases for the first 12 months as long as the premiums are paid on time. You can go straight to the physicians and specialists you prefer without pre-certifications and pre-approvals. You always know your benefits with this standardized plan; no surprises or reevaluations after the year. Medicare supplements are guaranteed renewable, so there are no worries of reduced benefits or canceled coverage for the policy's life, as long as the premiums are paid on time. The coverage is portable, so you are not restricted to use any network of health care providers. If you move, your coverage goes with you.