Shop 2018 Virginia Medicare Supplement Insurance Medigap plans. Our trained local Richmond, VA agents will compare plans in Virginia with all top companies to find you affordable monthly premiums. We will review the Medigap coverage plan benefits, monthly premiums to assure you’re buying the best Medicare Supplement policy for your medical needs and budget.
Medicare supplement insurance plan benefits are standardize and are set by the federal government. Each insurance company can then select what plan benefit structures they want to offer. That means no matter what insurance company you elect to enroll with the basic benefits are the same. Medicare Supplement insurance plans help cover costs not included in Original Medicare coverage. Original Medicare (Part A and Part B) provides coverage for many hospital and medical services, but don’t cover all cost. With Original Medicare you’re usually still responsible for cost-sharing expenses like deductibles and copayments. Expenses with Original Medicare for out-of-pocket cost can add up quickly for beneficiaries with health issues. A Medicare supplement insurance plan is designed to work alongside your Original Medicare Part A & Part B coverage to cover the cost not covered.
: You have a choice of plans to meet your needs and budget.
: There are no provider network restrictions, so you’re able to keep your doctor. You can go to any doctor or hospital as long as they accept Medicare patients.
: You’re covered anywhere in the U.S. when you travel.
: You may see any specialists who accepts Medicare patients without a referral.
: Standardized Medigap insurance policies are guaranteed renewable. The insurance company can’t cancel your Medigap plan even if you have health problems as long as you pay the premium.
There are 10 Medigap insurance plans to select from in Virginia. The plans are labeled with letters. Two of the most popular are Medicare Plan F and Medicare Plan G. The best Medigap plan to select is the one that fits your budget and medical needs.
Medicare Supplement Plan F covers 100% of all that is no covered by Orginal Medicare. This plan covers 100% of all hospital bills and 100% of doctor visits. This plan is the only Medicare Supplement Plan that offers 100% coverage for all services.
Medicare Supplement Plan G is the plan we most often recommend. Plan G covers 100% of Part A (Hospital) expenses and only has a $183 deductible for Part B (Doctors). The premium amount saved on Plan G usually covers the $183 deductible amount that’s covered on Plan F.
Benefits Percentage Covered Plan G Plan F
Medicare Part A
coinsurance and hospital 100% 100%
Costs (up to an additional
365 days after Medicare
Benefits are used)
Medicare Part B 100% 100%
coinsurance or copayment
Blood (first 3 pints) 100% 100%
Part A hospice care 100% 100%
Coinsurance or copayment
Skilled nursing facility care 100% 100%
Part A deductible 100% 100%
Part B deductible 100% 0%
Part B excess charges 100% 100%
Foreign travel emergency 80% 80%
(up to plan limits)
You’re generally eligible to enroll in a Medicare Supplement insurance plan once you’re enrolled in Medicare Part A and Part B. Most often the best time to enroll in Medicare Supplement insurance plan is during your 6 month Medigap Open Enrollment Period. This enrollment period is for one time that starts automatically you’re 65 or older and enrolled in Medicare Part B. During this 6 month period you’re guaranteed insurance coverage and can’t be turned down due to pre-existing health conditions. The insurance company can’t increase your premiums or require medical underwriting. A person can apply for a Medicare supplement insurance plan outside the 6 month guaranteed issue period, but underwriting is required.
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