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AARP Medicare Supplemental Insurance

September 10, 2012 1473 No of hits
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AARP Medicare Supplemental Insurance

Medicare is a form of insurance provided by the federal government and paid for with tax dollars. It is intended for people that are at least 62 years old, as well as younger people with permanent disabilities or those with end stage renal disease. Like most insurance policies, Medicare does not offer complete coverage; in fact it tends to cover about half of healthcare costs for those enrolled.

For people that are retired or can't work due to a disability the out-of-pocket expenses can be too much to handle. That is why many of them will often get some form of AARP Medicare supplemental insurance, known as Medigap, to alleviate the financial burden.

There are numerous Medigap plans and they are labeled A, B, C, D, F, G, K, L, M, and N, each of which offers different coverage to supplement Medicare Part A or B. Costs can vary depending on the company. While companies are not required to offer all plans if they do offer one it will be Plan A (co-insurance and blood). If they have other plans as well they will at least offer Plan C or F.

A good thing about AARP Medicare supplemental insurance is that it is regulated by the federal government. That means the benefits will not change from one company to the next since the government sets them. Names do not differ from one company to another either making it easy to change companies if need be.

What is covered under AARP Medicare supplemental insurance varies from one plan to the next, depending on the need of the patient. Now all plans will want you to use an in-network doctor. If you don't the percentage of out-of-pocket cost is greater. Each separate plan though is crafted in order to try and meet the needs and means of individual patients.

For example, if deductibles are a concern than you may be interested in supplemental insurance Plan B, C, D, F, G, or N; each covers the entire deductible required under Part A. Plans C and F will also cover the deductible under Part B.

If you find yourself travelling a lot than you may want to go with Plan C, D, F, or G. These will cover 80 percent of emergency care received in foreign countries. F and G will also cover excess doctor charges (in country) above the amount approved by Medicare.

Plan F allows policy holders to get coverage, but for a lower premium. However, in exchange for a lower premium a higher deductible must be paid.

Tags:   AARP Medicare supplemental insurance   Medigap   Coverage  

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Medicare is a form of insurance provided by the federal government and paid for with tax dollars. It is intended for people that are at least 62 years old, as well as younger people with permanent disabilities or those with end stage renal disease. Like most insurance policies, Medicare does not...

By: Richard Martine Created 75 months ago

Showing 11 Comments

  • Aditya
    December 01, 2015
    0

    you do realize in order to keep his prmiose that they would not go out of Business he just gave them 58 million more customers and if not the IRS will attach your refund and or fine you,where did I get the 58 mill you ask? you forget that he is fix en to give amnesty to immigrants unless of course the republicans did in their heels on it,what with all the violence in mexico right now and dead arizona man

    1
  • Aditya
    December 01, 2015
    0

    you do realize in order to keep his prmiose that they would not go out of Business he just gave them 58 million more customers and if not the IRS will attach your refund and or fine you,where did I get the 58 mill you ask? you forget that he is fix en to give amnesty to immigrants unless of course the republicans did in their heels on it,what with all the violence in mexico right now and dead arizona man

    2
  • Twfik
    December 02, 2015
    0

    helen that's like posting G.P's are ginvig up their $ 1/2 million dollar medical practices to protest health care insurance legislation. are the GP's going to join MLB and play for the yankees ? if insurance companies pay a dividend that the share holders are happy with, why would they just close down. no business would close down simply cause they wanted more profits.

    3
  • Twfik
    December 02, 2015
    0

    helen that's like posting G.P's are ginvig up their $ 1/2 million dollar medical practices to protest health care insurance legislation. are the GP's going to join MLB and play for the yankees ? if insurance companies pay a dividend that the share holders are happy with, why would they just close down. no business would close down simply cause they wanted more profits.

    4
  • Twfik
    December 02, 2015
    0

    helen that's like posting G.P's are ginvig up their $ 1/2 million dollar medical practices to protest health care insurance legislation. are the GP's going to join MLB and play for the yankees ? if insurance companies pay a dividend that the share holders are happy with, why would they just close down. no business would close down simply cause they wanted more profits.

    5
  • Ismael
    December 04, 2015
    0

    I remember the earth was sopupse to stop spinning, and america would be destroyed. It's so ridiculous that even the cons on here realize you are making fun of their pre-healthcare reform fear mongering. http://deeljbep.com [url=http://zpealorsll.com]zpealorsll[/url] [link=http://jbnscm.com]jbnscm[/link]

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  • Ismael
    December 04, 2015
    0

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  • Ismael
    December 04, 2015
    0

    I remember the earth was sopupse to stop spinning, and america would be destroyed. It's so ridiculous that even the cons on here realize you are making fun of their pre-healthcare reform fear mongering. http://deeljbep.com [url=http://zpealorsll.com]zpealorsll[/url] [link=http://jbnscm.com]jbnscm[/link]

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  • Rigoleto
    December 04, 2015
    0

    A question has come up today that I would love acdive on What are some good questions to ask ourselves in weighing the positives vs. the negatives in taking a caree with dementia out of their own environment?My mother is not able to go as much as she use to. On Fridays she goes to get her hair done. It was very difficult today getting there and at the beauty salon. Just wondered if there were questions that could guide whether she is still able to go out. I feel so badly limiting or stopping the outings from a social standpoint, but for physical and emotional needs it's becoming harder.

    9
  • Rigoleto
    December 04, 2015
    0

    A question has come up today that I would love acdive on What are some good questions to ask ourselves in weighing the positives vs. the negatives in taking a caree with dementia out of their own environment?My mother is not able to go as much as she use to. On Fridays she goes to get her hair done. It was very difficult today getting there and at the beauty salon. Just wondered if there were questions that could guide whether she is still able to go out. I feel so badly limiting or stopping the outings from a social standpoint, but for physical and emotional needs it's becoming harder.

    10
  • Rigoleto
    December 04, 2015
    0

    A question has come up today that I would love acdive on What are some good questions to ask ourselves in weighing the positives vs. the negatives in taking a caree with dementia out of their own environment?My mother is not able to go as much as she use to. On Fridays she goes to get her hair done. It was very difficult today getting there and at the beauty salon. Just wondered if there were questions that could guide whether she is still able to go out. I feel so badly limiting or stopping the outings from a social standpoint, but for physical and emotional needs it's becoming harder.

    11

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