什么是最佳医疗保险补充计划?

choosing the best 医疗保险 补充 计划

医疗保险 补充 计划或Medigap保险 plan 填补原始人留下的基本福利方面的空白 Medicare, Part A and Part B. It is intended to cover out-of-pocket costs that are not usually covered by the original 医疗保险 计划 such as deductibles, coinsurance, and copayments, dental care, hospitalization, and some prescriptions, etc.

If you become unable to work and need to pay for your own medical treatment, 医疗保险 补充 保险 计划 offers the advantage of being covered by this policy. These 计划s pay much of the premium for the medicines and facilities if you have 医疗保险 Parts A or B.

There are several Medigap 计划s expressly intended to provide for the services and drugs that 医疗保险 does not provide for. There is no coverage, including mammograms and routine checkups, for hospital visits or preventive care.

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如果您患有Medicare所造成的伤害或疾病,您的保险提供者将实际支付医疗费用’t pay for, so you’我将不得不自己支付大部分账单。

If you are trying to buy an individual package through 医疗保险, remember that it can be complicated and very time-consuming to find how to pick the best 医疗保险 补充 计划. To help you out, below are some useful tips.

选择最佳Medicare补充计划的4条提示

The tips discussed below have really helped lots of people choose the best 医疗保险 补充 计划 for themselves. The 计划 that suits Mr. A might not be appropriate for Mr. B due to individual and health differences. Follow the tips below:

考虑您的需求

There are many firms that specialize in supplying 医疗保险 recipients with health care services. It is essential that the organization offers facilities for the type of 医疗保险 补充 计划s you seek before selecting a 计划.

例如,如果您选择提供门诊服务,预约医生和处方医疗服务的医生,那么找到一家专门从事这种服务形式的公司可能是您的最大利益。

You should be able to make a few adjustments in the way that you shop in order to get the best 医疗保险 保险 计划. You should think about how much you’而不是单单看价格,每个月都会真正地支付费用以及您的特殊需求。

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When you have decided the particular items you will need to get covered, you can search for 医疗保险 补充 计划s that will provide you with this coverage.

制定研究和比较计划

If there are many businesses providing this form of service, comparing their 计划s would be necessary to find one that provides the lowest rates.

为了简化这项工作,请查看一些在线资源。例如,由以下人员创建了Medicare 补充公司的完整概述及其所提供的利益: 蓝波保险服务.

除了比较成本外,研究并仔细分析任何承保记录也很重要。这涵盖了所有诉讼历史以及共付额或免赔额。

有必要避免任何没有明确规定免赔额和共付额的保单。

阅读服务条款和条件

医疗保险政策中的条款和条件是您需要了解的最重要的知识之一。还应该对政策中的排除类型进行研究。涉及多种排除,其中大多数非常重要。

Any scheme that does not have enough coverage is not worth the money and should be avoided. You are looking for a 医疗保险 补充 计划, after all, because it does not cover those vital services you may require, such as hearing 艾滋病,视力测试和定期牙科保健。

寻找额外的费用

您还可以计算多少预算’re going to use. It’了解您每月多少钱很重要’再付款和您的金额’re expected to pay.

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此外,当您必须付款时,确定是否有任何例外情况很重要。这可能包括眼科治疗费用或医疗保险支持的处方药费用。

在您开处方之前,要支付医生或专科医生需要的任何自付费用也可能是一个挑战。它’因此,有必要知道这些费用是多少。

医疗保险补充计划的类型

There are 10 types of 医疗保险 补充 计划s, with Plan F being the most popular type. All types include Plans A, B, C, D, F, G, K, L, M, and N. As it offers at least some coverage for all forms of Medigap benefits, Plan F became the most common.

how to choose the best 医疗保险 补充 计划

These advantages include everything from Part A and B deductible coverage to co-insurance for qualified nursing facility care. Various Medigap benefits are provided by any of the ten separate 医疗保险 补充 计划s.

比较这些计划及其保费是选择最适合您需求的计划的秘诀。一些保险提供者不提供医疗保险补充计划,而其他保险提供者仅提供所需的A,C和F计划。仅选择能为您提供最佳报价和最优惠的Medicare补充计划的保险提供商。

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It is important to note that these 医疗保险 补充 计划s only cover one person, so if your 伙伴 还需要一个,他/她必须购买一个单独的医疗保险计划。 医疗保险补充计划最有利的要素之一是,即使您开始遭受健康问题的困扰,承保范围仍然可以续签。如果您已经有了Medicare医疗储蓄帐户计划,那么您将无法购买Medicare补充计划,除非您离开了前一个计划。

A variety of forms of coverage that are not directly provided by a 医疗保险 补充 计划 is available. They include:

  • 视力保健
  • 牙齿保健
  • 长期护理
  • 眼镜
  • 助听器

为什么每个老年人都应该有一份Medicare补充计划

For seniors who want to prevent expensive costs that could put a dent in their retirement accounts, 医疗保险 补充 计划s are widely seen as necessary. There are several reasons why a 医疗保险 补充 计划 should be open to all seniors:

具有成本效益

如前所述,Medicare补充计划涵盖了Medicare接受的大部分或所有剩余费用。因此,如果您通过Medicare补充计划F得到赔偿,您必须为A部分或B部分支付的扣除额将得到赔偿。您的医生或医院还将支付任何共同保险费用。在某些情况下,将补偿剩余费用的100%。

生命再生

If you make sure to pay your premiums, 医疗保险 补充 benefits are also renewable for life, so you will never risk losing the coverage due to regular claims or lifetime maximums. If you have the program, the benefits of the 医疗保险 补充 计划 you earn are still locked in.

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零网络规则

关于这些计划,绝对没有网络规则。如果您是医生,您的计划也将有资格’在考虑考虑支持Medicare。重要的是要注意,这些Medicare补充计划未涵盖任何D部分处方药的承保范围。因此,你’如果您需要定期使用药物,则仍然需要选择单独的Plan D策略。

结论

For someone who has 医疗保险 and needs to ensure their continued wellbeing, 医疗保险 补充s are a great choice. By calling the 保险 provider and asking for a 医疗保险 补充 保险 计划, these 计划s can then easily be bought.

如果您的保险提供商可以为您提供仅针对Medicare上的人定制的保险报价’已经有Medicare零件A或B。

It can be tough for anyone to select the best 医疗保险 补充 计划. There are several choices to choose from, and exploring all of them is very important. You’ll find that the most reliable are also the organizations that have the best websites, customer service, the best deals, and the best 计划s.

本文提供的医疗信息仅作为信息资源提供。此信息不会建立任何患者与医师的关系,并且不应替代专业诊断和治疗。
关于Ochemba Callistus Chinedu 164 Articles
“ Ochemba Callistus Chinedu是一名经过认证的医学实验室科学家(B.MLS)。 目前,他是Nedufy的认证SEO经理,内容作家/开发者和创始人:www.nedufy.com。他喜欢阅读,写作,旅行,总体健康和学习新事物。”

2 Comments

  1. 你说的很不错’了解您每月多少钱很重要’选择医疗保险补充计划时需要支付的费用和例外情况。我和我丈夫明年都有资格享受Medicare,因此我们’重新研究最适合我们的计​​划。联系Medicare补充剂来帮助我们也许是明智的。感谢您的提示!

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