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SpinDistribute.com Article Directory

The following article was published in our article directory on May 8, 2012.
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Why Choose a Plan F Medigap Insurance Policy?

Article Category: Advice

Author Name: Neil Primack

One of the most popular Medigap insurance plans is Plan F because it meets all the needs you require in a Medicare supplemental insurance policy. Once you sign up for a Plan F policy, you no longer have any co-pays or other out-of-pocket expenses when you seek medical treatment since all claims are paid through the Medicare crossover system. Plan F policies are also accepted at any hospital or health care provider that accepts Medicare. And your benefits will stay consistent throughout the life of the plan.

Here are the benefits you can enjoy with a Plan F Medicare supplemental policy. Keep in mind that since these benefits are uniform, all insurance providers that offer Plan F policies offer the exact same coverage, making it easier for you to compare similar offerings.

The basic benefits offered with all Medigap Plan options, including Part A coinsurance coverage, 100|Part B coinsurance, and additional coverage for 365 days after your Medicare benefits lapse.

Deductibles for Medicare Part A and Part B. For 2012, Part A deductibles are $1,156 per benefit period and Part B, $140 a year.
- The first three pints of blood required per calendar year are covered.
- Medicare Part A coinsurance for hospice care services (20|of total) is covered.
- Coinsurance for skilled nursing facility care (20|of total) is covered.

Part B excess charges are covered in case a doctor does not accept the Medicare-mandated amount and charges a higher fee.

The plan covers medically necessary emergency travel health care services during the first sixty days of travel outside the US, which includes a separate $250 deductible and a $50,000 lifetime limit.

While you can enroll for Plan F Medigap insurance at any time once you become eligible, it is advised that you sign up during the six-month open enrollment period following your sixty-fifth birthday or when you enroll in Medicare Plan B. The period starts on the first day of the month that you become sixty-five and are enrolled in Part B. During this period, an insurance company cannot deny you coverage because of any health problems or make you wait for coverage to begin. They also cannot charge you higher rates for a policy compared with what they would charge another person with no health issues. You may also be eligible for Medigap Protections or Guaranteed Issue rights, which give you the same privileges under particular situations such as losing employer coverage or Medicare Advantage coverage.

Picking a provider from which to buy Plan F Medigap insurance coverage, however, may be challenging since you will have to contact each of them and ask for quotes. You can make it easier by working with an independent health insurance broker who will help you compare multiple quotes as well as advising you on which option is the best for your particular health condition. In addition, once you ve found the ideal policy, the broker will also make it easy for you to enroll using a variety of options, ranging from online and phone enrollment to old-fashioned paper applications.

Keywords: Health Insurance, Medicare Supplemental Insurance, Medigap Insurance, Group Health Insurance

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