Medicare Supplement Plans
Tip: Questions To Ask About Medigap Insurance
20 Questions to ask before buying Medicare Supplement Insurance
Medicare Supplement Plans are designed to fill the gaps left by Medicare. Smart shoppers of Medicare Supplement Insurance talk to several agents before making a decision. You want to make sure you are very comfortable with the person you are talking to and that you trust the agent. When choosing a Medicare Supplement Plan - Ask these questions first. 1. Explain the difference between Medicare Supplement Insurance and Medigap.2. Am I eligible for enrolling without having to prove that I am insurable? 3. Will you give me a copy of the government’s Medicare Buyer’s Guide for my review? 4. Will the policy provide coverage for pre-existing conditions after it has been in force for six months? 5. Are the benefits limited in any way due to an accident? 6. Is the policy guaranteed renewable (can’t be cancelled) as long as I continue to pay the premium. 7. Does the policy cover inpatient and outpatient care for substance abuse? 8. If the policy is terminated for any reason by me, are the benefits reduced for any continuous loss or claim? 9. Do my claim payments extend beyond the life of the policy? 10. What will be my out-of-pocket costs? Will this amount change after the first year? 11. Can I choose my doctors and hospitals? 12. Will my doctors and hospitals accept this plan? 13. Does this plan provide coverage anywhere in the United States? 14. Does this plan provide coverage when I travel outside of the United States? 15. Does this Medicare supplement insurance plan cover long term care? 16. If it does cover any long-term care, does that include help in bathing, eating, dressing or using the bathroom? 17. Does this plan cover vision? 18. Does this plan cover private-duty nursing? 19. Does this plan cover prescription drugs? 20. Does this plan cover dental?
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