Medicare Supplement Insurance from Omaha Insurance Solutions Offers Peace of Mind
While Original Medicare provides benefits for healthcare it doesn’t cover 100% for procedures or exposures, leaving costly gaps especially as we get older and need increased medical attention. These gaps can be significant for individuals without additional coverage. That’s where Nebraska Medicare Supplement Insurance, also called Medigap policies, comes in.
What Makes Sense for You
There are 10 Medicare Supplement Plans available, each named by a single letter and identical regardless of the provider. Different plans are designed to address varied situations. For example, a Medicare Supplement Plan A may be ideal for those who don’t wish to pay costly premiums for benefits they might never use, however there is the potential for higher out-of-pocket costs if the need for inpatient hospital care arises. Plan F on the other hand is the most comprehensive plan but also the most expensive. You have no out-of-pocket expenses as the plan covers all remaining hospital and doctor costs after Original Medicare (Part A and/or Part B) has paid its portion. At Omaha Insurance Solutions, we will review each of the 10 plans to provide you with a cost-benefit analysis so you understand what you are purchasing.
It’s also important to note that the way in each plan is rated varies considerably among providers using one of these three methods to determine premiums:
Most policies (70%) sold in Nebraska are based on your attained age, which means premiums are based on your current age and will rise annually as you get older. We will sit with you and show you how different plans are rated and the effect each has on what you pay over time. Together, we’ll see what makes sense for you today as well as review your plan year after year to determine if a change should be made.
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.