Medigap covers certain out of pocket expenses not paid by Original Medicare
PRS insurance can help you with Medicare supplemental products such as Medigap. They offer health care products to residents of Addison, Dallas, Denton, Fort Worth and Richardson. Medicare is heath care program for people who are 65 and older and is operated by the Federal government. Some people under 65 with disabilities can also get cover under Medicare. Medicare pays for most health care costs but not all. That is why there are supplemental programs such as Medigap and Medicare Advantage plans.
Any program run by the Federal government will have gaps in it. Medicare is no exception. Medigap is designed to fill some of those gaps or out of pocket expenses. Original Medicare has gaps when it comes to co-payments, coinsurance and deductibles. Medigap can help cover these out of pocket expenses. Medigap is sold by private insurance companies that are authorised by the Medicare administration.
You may well have other health insurance products that already cover out of pocket expenses, so always check with insurance agent before committing to a specific product. For example, you might have group health insurance through your company or Medicare Advantage Plan or Medicaid or a QMB program.
As we grow older we often encounter more medical problems. These conditions will likely cost more than what the original Medicare will cover. You might need care while travelling abroad. You need to check your travel insurance and how that works with Medicare and Medigap.
You also need to be aware that certain Medicare benefits are guaranteed during specific enrolment periods. Your insurance agent will advise you regarding the various plans and options and ensure you get the best health care products for your circumstances. PRS insurance can custom tailor health care products including Medigap to match your requirements.
Addison, Fort Worth Medigap from PRS fills in your coverage gaps and out of pocket expenses. Contact us today to get the most from your Medigap benefits.