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What Are Medigap Plans?

If you are eligible for Medicare, you may think you are safe when it comes to unexpected medical bills. Unfortunately, Medicare only covers 80 percent of medical expenses. The rest is up to you.

How would you handle paying for 20 percent of a doctor’s visit? Could you do it easily without having to cut corners with other expenses in your budget? A lot of seniors live on fixed incomes. For them, even paying an extra $20 unexpectedly could spell difficulty for a month.

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This is where Medigap insurance plans come in and you can click here to find out more. These are plans you can purchase just like other forms of insurance. You choose who you buy a plan from and make a small, predictable premium payment. This insurance covers the 20 percent of costs that regular Medicare doesn’t cover.

More About Medicare Part F

If shopping for Medigap plans sounds like a good idea to you, start by shopping for them by going to private insurers directly, over the phone, or online. You will notice they are often sold by insurance companies as Medicare Part F or Medicare Supplement Insurance plans. If you need help finding an insurance package, also look for them under the Medigap product umbrella. Your insurance expert can then guide you as to all the available programs in your area that suit your budget. You will live a fulfilled life, which is amazing.

Just like regular health insurance plans, there are many options and price points to choose from. You are not required by law to buy one. However, if you think you could not assume the risk of paying for 20 percent of anything that regular Medicare doesn’t cover, it is wise to purchase one.

These insurance products offer you the coverage you need for a predictable price that you can afford. You get to choose the plan that works for you so see about getting Medigap plans today.