v
MEDIGAP (MEDICARE SUPPLEMENT):
COVERAGE: Medigap plans fill gaps in Original Medicare (Parts A and B) by covering deductibles, copayments, and coinsurance. Providing comprehensive coverage that allows you to see any healthcare provider that accepts Medicare. NETWORK: There are no network restrictions with Medigap plans. You have the flexibility to see any healthcare provider nationwide who accepts Medicare. REFERRALS: You do not need referrals to see specialists. You can see specialists without requiring approval from a primary care physician. PRESCRIPTION DRUG COVERAGE: Medigap plans do not include prescription drug coverage. You will need to enroll in a standalone Medicare Part D plan for prescription drug coverage. ADDITIONAL BENEFITS: Medigap plans typically do not offer additional benefits like dental, vision, or hearing coverage. You would need to purchase separate insurance for these services. PREMIUMS: Medigap plans usually have higher monthly premiums, but you have fewer out-of-pocket costs when you receive healthcare services. OUT-OF-POCKET COSTS: Medigap plans often have minimal or no out-of- pocket costs for covered healthcare services. PROVIDER CHOICE: You have the freedom to choose any Medicare-accepting healthcare provider without network restrictions. GEOGRAPHIC FLEXIBILITY: Medigap plans offer coverage across the United States, so you can use your plan when traveling or relocating.
IN SUMMARY
Powered by FlippingBook