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Medigap Insurance, also known as Medicare Supplement, is an insurance plan that can assist you in paying for some of costs that Medicare Parts A and B doesn\\u2019t pay. Original Medicare doesn\\u2019t cover all of your medical costs, it only pays 80%. You are required to cover the remaining 20% but there is no cap or max-out-of-pocket for that 20%. Without Medigap Insurance (Medicare Supplement) you are left fully exposed to that 20%. 

The way that a Medicare Supplement works is you would stay with Original Medicare and keep it as your primary coverage. You keep your right to go to any doctor or any hospital in the country that accepts Medicare. You would continue to pay Medicare\\u2019s Part B premium ($135 for 2019). The Medicare Supplement would charge an additional premium; the premiums vary and can run from $80 to $150 depending on the plan and its coverage. In return, that Medigap plan (Medicare Supplement) will fill the holes to Medicare or fill in the gaps. It will pay the bills that Medicare doesn\\u2019t pay. 

Example: you get a knee replacement and you have the Medigap Plan G. The only out of pocket expense with the Medicare Supplement Plan G is Medicare\\u2019s Part B annual deductible of $185. So, with Original Medicare and a Medicare Supplement Plan G, your knee replacement including all the physical therapy and treatments will only cost you $185 out of pocket. The remainder of the bills will be covered by Medicare and your Medigap plan (Medicare Supplement). 

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages: 

https://www.seniorhealthcaredirect.com/

https://www.facebook.com/MedicareBob/

https://twitter.com/MedicareB

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