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Medicare Supplement Plans Boynton Beach, Are they Right for You?

 Medicare Supplement Plans Boynton Beach

Are they right for you?

 

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Medicare Supplement Plans Boynton Beach are health insurance plans. The insurance companies offer these plan to supplement your Medicare benefits. These plans are also called Medigap plans. They pay some or all of what Medicare doesn’t pay. They include Medicare Part A (Hospital Insurance) and Medicare Part B (Outpatient and Doctors Visits). Medicare Part A and B only cover about 80% of these services.

You will be responsible for the balance. There is also no annual maximum out of pocket limit. That is why you may decide to enroll in a Medicare Supplement plan.

How do Medicare Supplement Plans in Boynton Beach Work?

If you have a Medigap policyOriginal Medicare first pays its share for your care, and then Medigap pays all or part of the remaining costs, including deductibles, coinsurance and copayments.

Make sure you need a  Medicare Supplement plan in Boynton Beach. Remember that you only need a Medigap plan if you want to keep Original Medicare and enroll in a separate drug plan.

If you want to enroll in a Medicare Advantage plan, you cannot enroll in a Medigap plan.

When can I enroll in a Florida Medicare Supplement Plan?

You will need to be enrolled in Medicare A and B.  Then, enrollment in a Medicare Supplement Plan in Boynton Beach is not automatic.  The insurance company may not accept you unless you enroll during your Guaranteed or Open Enrollment Period. These occur when you first turn 65 or after you leave your Group Health Insurance plan. Before the plan will accept you, learn and follow Medicare and the insurance companies’ rules.

If you are not in one of these Enrollment Periods, you will have to answer some Medical questions.  The insurance company may not accept you. Also, a Medicare Supplement Plan can exclude coverage for prior medical conditions.  The insurance company may not include coverage permanently or for a limited amount of time.

You will need a Separate Medicare Drug Plan

When you enroll in a Medicare Supplement plan in Boynton Beach, you will need to enroll in a separate drug plan. That is your Medicare Part D prescription drug coverage.

For personalized help, contact Boynton Beach licensed health insurance agent, Renee Lempert, 561-704-9302.

 

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