Pennsylvania Medicare Supplements Insurance
If you think that because you turned sixty-five all of your health insurance needs would be taken care of by your Medicare coverage, you have another think coming. The fact is that an Original Medicare policy, which is the basic policy available to individuals of your age, generally only covers around sixty-four percent of yearly healthcare expenses.
When you consider all of the copayments, deductibles and coinsurance that is required by Medicare, as well as all of the things that are not covered by Medicare at all, the average couple will end up paying somewhere around $250,000 for healthcare costs that Medicare does not cover. This is the reason that close to ninety percent of Medicare beneficiaries seek supplemental insurance.
Save Your Savings
It has taken you are lifetime of hard work to obtain everything that you have accumulated. You have been working all of this time toward a carefree retirement plan. After all that you have been through, you deserve to have that retirement without having to worry about finding ways to pay for all of your healthcare needs.
Unfortunately, Medicare is nothing more than a compromise between the financial resources that people sixty-five and over need to remain in good health and what the government is willing to pay. This means that there are definitely going to be gaps in the coverage that is sure to affect many people who receive these benefits.
Fortunately, you do not have to give up all of the savings that you have worked so hard to build. There is no reason you have to choose between good health or the peaceful life that you want as you grow older.
A Medicare supplemental insurance policy from Vivian Capria is the best way to help with the financial burden of healthcare expenses that are not paid for by your Original Medicare plan, such as deductibles, coinsurance and copayments. The Medicare supplemental insurance plans provided by Vivian Capria are available at a cost that is not going to put a major strain on the budget of your household.
Medicare Coverage Explained
Medicare pays for some services and supplies that are considered to be necessary in order to treat a specific condition or disease, including:
- Doctor visits
- Lab tests
For those with a Medicare Advantage plan or another Medicare plan, the rules may be different. However, your plan is required to offer you the same coverage that you get with the Original Medicare plan. Of course, there are some medical services that will only be covered for patients that suffer from certain conditions or in certain settings.
Medicare Part A
Generally, Medicare Part A will provide coverage for the following:
- Home health services
- Hospital care
- Nursing home care, except when the only care you need is custodial care
Medicare Part B
Two types of services are covered by Medicare Part B, including medically necessary services and preventative services. Medically necessary services include the services and supplies that are required in order to treat or diagnosis a medical condition and meets the standards of medical practice that are considered to be acceptable.
Preventative services include healthcare treatments that are used in order to prevent illness, such as the flu, or detect it in the early stages when there is a greater chance of successful treatment. Most of the time, you will not be required to pay anything for preventative services as long as the services are performed by a healthcare professional that accepts assignment.
The things that are covered by Medicare Part B include the following:
- Ambulance services
- Clinical research
- Durable medical equipment, or DME
- Limited outpatient prescription drugs
- Inpatient, outpatient or partial hospitalization for mental health
- Second opinions prior to surgical procedures
Medicare Part D
The Medicare Part D plan is for prescription drug coverage. Medicare prescription drug coverage is also available through a Medicare Advantage Plan, or Part C, such as a PPO or HMO offering Medicare prescription drug coverage.
The older that we get, the more we will have a need to seek medical care. Therefore, choosing the right Medicare supplemental insurance plan is vital. If you are interested in finding out more about the Medicare supplement insurance plans that are available to you in your particular situation, all you have to do is contact Vivian Capria.
Do not wait until you are laying in a hospital bed or riding in an ambulance to find out if the Medicare coverage that you have is enough. You have not worked so hard all of your life only to spend every last dime paying for the necessary treatments to get the best quality of life for the rest of your years. Take the time right now to get help determining which Medicare supplement insurance plan is best for you by clicking on the quote request button right now