Providing Omaha-Lincoln Metro Area Medicare Supplement Insurance Plans
Medicare Supplement Insurance Plans, also known as Medigap policies, helps you pay for costs that are not covered under Original Medicare insurance. This includes stepping in to help cover your co-payments, coinsurance and deductibles under Medicare, which can add up quickly should you require hospitalization, frequent doctor visits and other healthcare services.
The professionals at Omaha Insurance Solutions can review the various Medicare Supplement Insurance Plans on the market with you. Available from private insurers, all policies offer the same basic benefits, but some providers offer additional benefits to meet individual needs. What’s more, providers charge differently for the same policy, which is why it’s important to look to our expertise to help you make an apples-to-apples comparison and ultimately an informed choice.
Helping You Choose the Right Medigap Plan
Below is an outline of the various Medicare Supplement Insurance plans available and what they cover. The plan you choose will depend on your specific needs. Also, as you can see, in some cases there is a percentage of coverage listed; in these instances, the Medigap plan will cover a percentage of the benefit with you paying the remainder of the cost.
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|Medicare Supplement Insurance (Medigap) plans|
|Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used)||100%||100%||100%||100%||100%||100%||100%||100%||100%||100%|
|Medicare Part B coinsurance or copayment||100%||100%||100%||100%||100%||100%||50%||75%||100%||100%**|
|Blood (first 3 pints)||100%||100%||100%||100%||100%||100%||50%||75%||100%||100%|
|Part A hospice care coinsurance or copayment||100%||100%||100%||100%||100%||100%||50%||75%||100%||100%|
|Skilled nursing facility care coinsurance||100%||100%||100%||100%||50%||75%||100%||100%|
|Part A deductible||100%||100%||100%||100%||100%||50%||75%||50%||100%|
|Part B deductible||100%||100%|
|Part B excess charges||100%||100%|
|Foreign travel emergency (up to plan limits)||80%||80%||80%||80%||80%||80%|
|Out-of-pocket limit in 2015|
*Plan F also offers a high-deductible plan in some states. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,180 in 2015 before your policy pays anything.
** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.
Everyone Is Unique.
The right Medicare plan is the one with which you’re most comfortable. We’ll help you make this important choice by reviewing all the details of each plan with you. To speak with a licensed independent agent, give us a call at Omaha Insurance Solutions at 402-614-3389 TTY 711.