If you have trouble covering out-of-pocket Medicare expenses, supplemental coverage can be a great help. Medicare offers various options that can be confusing, so contact Hecht-Stout Insurance Agency in Dunlap today with any questions about Medicare and its options.

Medicare is a federal health insurance program designed for Americans approaching retirement age. It makes health coverage more affordable and less expensive than private insurance. Many people even receive part of it premium-free. However, Medicare beneficiaries still face healthcare costs, such as deductibles and coinsurance. Medigap plans, also known as Medicare Supplement Insurance, can help cover these additional costs.

Medicare Supplement Insurance plans assist people enrolled in Original Medicare with out-of-pocket health insurance expenses like copays, coinsurance, and deductibles. Medicare Part A and Part B comprise Original Medicare.

Part A covers hospital care, and Part B covers doctor and outpatient services. If you are enrolled in Medicare Part C, the commercial substitute for Original Medicare, you are not eligible to purchase Medicare Supplement coverage.

Your specific coverage will depend on the Medicare Supplement plan you choose. The ten common Medigap plans offered by most states are denoted by the letters A, B, C, D, F, G, K, L, M, and N. (The Medicare Supplement plans in Wisconsin, Minnesota, and Massachusetts are not standardized.)

With most Medicare Supplement plans, you can visit any doctor or hospital that accepts Medicare. You will present your Medicare card and your supplement plan ID card.

Original Medicare pays its share of the expenses, and your supplement plan covers your share, based on the plan's coverage. It may also coordinate payments with Medicare and your healthcare providers, meaning you won't need to deal with claim filing or paperwork.

Medicare and its options can be complex. Connect with Hecht-Stout Insurance Agency in Dunlap today if you have any Medicare and Medicare Supplement Insurance queries.

For more information and to explore the best Medicare Supplement Insurance plans, contact Hecht-Stout Insurance Agency at 1715 Woodside Drive Dunlap, IL 61525. We're here to help you secure the coverage you need.

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.