LINK BETWEEN MEDICARE ADVANTAGE(MEDIGAP) AND MEDICARE

LINK BETWEEN MEDICARE ADVANTAGE(MEDIGAP) AND MEDICARE

It is impossible to be a beneficiary of the medical advantageplan (Medigap) if one is not enjoying the benefits of being in an original Medicare package. The two do not depend on each other but Medigap cannot exist with Medicare. Individuals should therefore be actively involved in an original existing Medicare as this would form a basis for the Medigap. Medigap as a coverage is not designed to provide independent benefits.

Medigap plans will always advantage one’s original Medicare advantage plan for 2019 benefits. This in fact is the reason why the Medicare plan is characterized as a supplemental plan and would compel to be recognized as a supplemental plan as opposed to an ordinary policy. It is not enough to be involved in an original Medicare for you to be eligible. What counts is when the holder stays enrolled in the original Medicare for your hospital facility and medical coverage.

There is a variation between states as to which plan is available in a named state. That means that you do not always expect to find similar plans in two different places (sometimes). Another variation in matters states is the fact that there is an age limitation which basically limits eligibility to this coverage for persons above the age of 65. The original Medicare can be enjoyed by anyone regardless of the age but the Medicare supplemental plan (Medigap) is strictly for persons above the cut off age of 65. Certain diseases also limit one’s eligibility. These conditions include disability, the last stage of kidney disease and amyotrophic lateral sclerosis. These parameters vary from one state to another.

The Medicare supplemental plan (Medigap), takes care of benefits such as the Medicare part A, part B, blood and part A hospice all with a guarantee for coinsurance. The blood segment of it is however limited to only 3 pints of blood above which the holder has to find other means to foot the bills. There are also other plans like the Medicare parts A, B and C which are deductible.  The plan also covers for foreign travel emergency in cases where the policy holder has to travel overseas to seek urgent medical care. The amount that an individual who is not a beneficiary may charge above what is approved by the regulated cost of service is also a line that the plan may be ready to cross under the Medicare part B faction with excess charges consideration.