If you’re enrolled in the original Medicare Part A and B, this fee-for-service plan allows you to go to any enrolled doctor that accepts new Medicare patients. For most Americans, hospital coverage through Medicare Part A is free, and Part B usually costs $96.40 a month, but monthly premiums are higher for those with an individual income over $85,000, or a family income above $170,000.
If you stay with the original Medicare plan and don’t have a Medicare Advantage plan, one of several Medicare Supplement Plans (also known as Medigap) can cover what Medicare does not. You can get an idea of what costs you could pay if you depend on original Medicare, and which Medigap Plans can pay all or part of these expenses by clicking Choosing a Medigap Policy. This chart was published by the Department of Health and Human Services.
When you turn 65, you can apply during open enrollment, and are guaranteed to be accepted for coverage regardless of your past or present health. The first six months after your 65th birthday are the only time you are guaranteed to be approved for Medigap coverage without a review of your health history.
Nearly 10 million seniors have already enrolled in Medicare Supplement Plans, and you can learn more about how Medigap Plans can help you with a no-cost, no-obligation consultation with MediGap Advisors. When you call us at 866-323-1441 or email us at info@MedigapAdvisors.com, you can schedule an appointment to discuss your health care needs with licensed insurance agents who know Medigap Plans well, not just phone operators reading from scripts. We’ll make the whole process easy and hassle-free for you with expert advice.