Many people are still confused on the difference between the Medicare original, advantage and supplement plans available today. Well, this article will educate you on the importance of those insurance and how can enrolling to one of this can be a life-changing decision you’ll ever make.
What is Original Medicare?
Original Medicare is government-funded health insurance to those who are 65 and above. The benefits and financial help is given to those individuals are coming from the taxes. So basically, you deserve the benefits you are enjoying right now as a good taxpayer. After years and years of working it is now time to retire and harvest the fruit of your labor. And since you are ready to relax, you need to be mindful of your health.
Because this type of Medicare comes from the government, expect to get less coverage and benefits. This is because they also need to provide financial assistance to others and in order to help everyone who is in need, they are only giving a budgeted money to each patient. Yes, they will shoulder some of the expenses but not a hundred percent. There will be some medical charges you need to pay and that is called the “medical gap”.
What are Medigap Plans?
Medicare Supplement and Medicare Advantage plans 2019 are there to cover the medical gap. Or shall we say, they will provide support on those expenses that are not covered in Original Medicare.
Unlike the Original Medicare, Medigaps are run by private sectors so you will be covered and insured as long you pay monthly or yearly. These are helpful because it will serve as a quick protection from big health problems and expenses. They also provide partner doctors and hospital to help you save more. In addition to this, though it is private-owned, the government still give funds to this medicare to provide an affordable rate to those who are in need.
There are multiple types of plans to choose from when it comes to Medicare. For example, Medicare Part A covers Hospital Insurance. This means it covers medically necessary services such as hospital inpatient care and hospice care as well as skilled nursing facilities and limited, medically necessary health homecare. Just remember that aside from supplementing seniors above 65 years of age, Medicare Advantage 2019 also helps out disabled people or persons with certain conditions regardless of age. As for Medicare Part B, it’s the Medical Insurance type of plan that everyone wants and offers coverage to a wide variety of services; in particular most of the medically necessary doctor services as well as preventive services such as flu shots and annual wellness examinations.
A Closer Look at Medicare Advantage
More about Medicare Part B versus Part A: You can also enjoy coverage for limited or temporary home healthcare from Part B Medicare as well as ambulance transportation, durable medical equipment, outpatient mental healthcare, laboratory tests, and radiology services such as CT scans, MRIs, x-rays, ultrasound, and 2D echo. So compared to Part A’s hospitalization offerings, Part B is more focused on medical healthcare beyond the hospital, including equipment and home healthcare.
The Coverage of Medicare Part C: In regard to what Medicare Part C covers, it’s important to note that it’s all about giving you an alternative way to receive Original Medicare or both Medicare Part A and B coverage. This is why it’s known as Medicare Advantage. This type of plan in 2019 is usually provided by private insurance providers with contracts from Medicare. These advantage plans cover almost everything from Part A and B, excluding hospice care.
The Advantage Part of Medicare Part C: The thing that has eligible Medicare participants clamoring for Medicare Advantage over Original Medicare is the Medicare Advantage coverage for prescription drugs. This can also include additional benefits outside of the standard ones offered by Original Medicare, such as services for dental, hearing, and vision health. However, please take note that not every Medicare Part C plan includes prescription medication coverage, so ask your insurance agent the details about their offered plans.
Choosing the best medical plan provider can be a challenge.
There are just so many to choose from and almost all of them claims to be the best. However, there can only be one best provider which will offer plans that cannot be compared to others. In looking for the best Medicare Supplement Plans 2019, here are some things you need to consider.
Top 4 things to consider in choosing the best plan
The benefits they offer – The government has already standardized all Medicare plans which makes it easier for people to choose which to consider. But if they have more perks for their clients like additional services that would be better since you will get more value for your money.
The price of the insurance – As mentioned, the basic plans are all the same but their prices are not. Some would charge more, almost double than others. So, it will be good if you contact different providers and compare their prices.
The service they provide – Some providers would have 24/7 hotline which can assist with all your concerns, anytime anywhere. This will be an additional benefit knowing that there will be someone you can call in case of emergencies or if you have concerns about the plan.
The terms and conditions – Make sure to read the terms and condition carefully before signing. There are some providers that will say once you have given them your details, it will be in their possession. And they can sell this to other providers as leads and you would not want to have your personal details shared with other people, for sure.
So, when looking for the best plan, make sure that all of the above-mentioned factors are within your preferences. Once you have agreed to their services, their charges and terms, then you would know that you have already found the best and perfect plan that would help you in your health journey.
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In a word full of distractions and consumerism is considered as the norm; being financially responsible and independent can be a challenging feat
Living a frugal life can be tough especially when you are faced with the complexities of the modern world. Your friends might find you odd if you occasionally say no to dining out with them or if you are one who is fond of flea markets or garage sales. If you are aiming to live a frugal life then you might be branded as someone who is cheap or perhaps unreasonable. But, do not be distracted by your goal.
Being Frugal Means Less Stress When you are living frugal, then you will be able to make wise decisions, in general. You will be able to make the right choices that are necessary since you will no longer have the desire to overspend. When you are frugal or when you stick to your budget then you will less likely experience financial problems such as missing on payments. If you want to have financial freedom then the best solution is to live within your means and build a frugal and wise lifestyle. However, this does not mean that you’d stop going on vacations or going to a restaurant.
Being frugal means that you are more concerned with important things but not totally dismissing the occasional luxuries in life. Frugal living is good in all sense. When you stop overspending especially on things that do not really matter; then you are able to focus more on the important things in life.
Keeping up with trends can be time-consuming and of course expensive. But if you stick to what you know best and make a conscious effort to spend less, then you will be able to appreciate the finer things in life.