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Senior Insurance Utah

Medicare Insurance Solutions: For Seniors By Seniors

Medicare Supplement Plans in Utah

A Medicare Supplement, MedSup or Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage, including deductibles. co insurance and co-pays . Medigap policies help pay the health care costs that the Original Medicare Plan doesn’t cover, usually 20% co-pays plus deductiles $1,132 for Part A Hospitalization and $ 162.00 for Physcians Office visits in 2017.

Insurance companies are required by federal law to provide a “Standardized” and "Modernized" Medigap policy. These Medigap policies must all provide the same coverage and benefits. You may be able to choose up to 12 different standardized Medigap policies (Medigap Plans A through N). Medigap policies must follow Federal and State laws. A Medigap policy must be clearly identified on the cover as “Medicare Supplement Insurance.” Each plan, A through L, has a different set of coverage and benefits as well as premiums.

It’s important to compare Medigap policies because costs can vary. The benefits and coverage in any Medigap Plan A through N must be the same for any insurance company, However company decides which Medigap policies it wants to sell and establish the premium. The Benefits Advisors at will assit you in selecting the plan that meets your financial and medical needs.

Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to continue pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medigap insurance company.

You and your spouse must each buy separate Medigap policies. Your Medigap policy won’t cover any health care costs for your spouse. You must also purchase a Prescription Drug Plan (PDP) Coverage. If You Do NOT Have Creditable Drug Coverage For A Period Exceeding 63 Days, You Will Be Subject To a Penalty When You Enroll In a PDP Plan. Visit the web page of the carriers we represent. Please allow us to answers your questions and enroll you personally. Mistakes are often made if you enroll directly online and you don't receive the coverage you think.