Original Medicare and the Medigap Plans that supplement it will provide expanded benefits next year. You’ll see new 100-percent coverage for many recommended services that are intended to keep you healthy and prevent disease, such as wellness exams and vaccinations with Medicare Supplement insurance.
Screening for cancer with colonoscopies, exams and mammograms will also be available without any co-pay charges. You won’t have to meet any deductible before these preventive services are covered at 100-percent, either.
The 10 currently-available Medicare Supplement Plans will still be available in 2011. With the expanded benefits, these plans may deserve a second look if you’ve been “on the fence” about enrolling.
During open enrollment, you may join a Medigap Plan without having to answer any questions about your health. This grace period means you cannot be charged higher than normal premiums no matter what pre-existing conditions you may have. And, your application cannot be denied, period. Open enrollment begins on the first day of the month when you are at least 65 and enrolled in Medicare Part B. It typically only lasts for six months, so decide which plan you prefer well in advance. You can compare all of the Medigap Insurance Plans by running a Medicare Supplement quote on our website.
Wiley Long is founder and president of Medigap Advisors, and is passionate about helping people navigate the confusing waters of Medicare. He is the author of The Medicare Playbook: Designing Your Successful Health Coverage Strategy, a clear and simple explanation so you can make the most of your Medicare coverage. For more information visit www.MediGapAdvisors.com.