Medicare coverage is very confusing to most people. For example, out-of-pocket costs with Part A and Part B can pile up, especially if you have a chronic health condition or a medical emergency. You may want to know about the added protection available with Medicare Supplement plans.
Trinity Risk Consultants of America, LLC has the expertise to help you to navigate through the maze of products that you can purchase to help you close some of the gaps in Medicare coverage. Here is a brief overview of some of the options that are available to Medicare customers.
Medicare Supplement plans help cover those out-of-pocket Medicare costs so it’s easier to budget for your health care. Medicare Supplement (Medigap) plans are designed to help pay your share of health-care costs under Medicare Part A and Part B. For example, they may pay your Medicare Part B coinsurance for Medicare-approved doctor visits and lab tests.
Medicare Advantage plans cover everything that Medicare parts A and B cover, but they may have different deductibles and copayments. Most Medicare Advantage plans cover prescription drugs, too. Many plans also help pay for services that original Medicare does not cover, such as routine dental, hearing, and vision care. Unlike the original Medicare which covers any providers who accept Medicare, most Medicare Advantage plans have a provider network and may charge more or not cover doctors or facilities that are outside of the plan’s network.
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