Where seniors go from here is up to them. It’s also where the introduction to Medicare Part B, C and D lay in wait. Once the Medicare Part A train leaves the station, you, the senior, will have the option to include or not the other Medicare gap insurance plans being offered. The operative word here is options. Additional coverage will provided by private insurance companies and will not be free. Hence, the three words, Medicare gap insurance . Choices, choices.
Nope! Once you’re in the Medicare program with the gift of an initial Part A from the government you can do what you want. However, from here on unless you are in the Medicare Advantage program, you enter Medigap territory and will need to locate your credit card or check book in order to pay for a health insurance coverage policy provided by a private insurance company.
Each type of gap policy will probably offer pretty much the same benefits no matter which private insurance company you choose. Researching for this article it was found that the major difference in Medicare gap insurance coverage was the cost. Ergo, do some heavy reading on gap insurance so you can make an informed decision. And for heavens sake, always look for the mouseprint disclaimer. You need to know what is not covered, not what is covered.
Sorry, no. They have to be separate policies. Any and all Medigap policies issued by private companies will not honor both on one policy.
Most are generic and easy to compare. You should be on the lookout for the deductible cost options and whether you can choose the hospitals and doctors.