Choosing The Right Health Insurance PlanChoosing The Right Health Insurance Plan

About Me

Choosing The Right Health Insurance Plan

Hello, my name is Eric Coleman and I've written this blog to inform others about health insurance. Purchasing this type of insurance can be confusing, but it is very important that people know exactly what their insurance policy covers. When I was ready to purchase my health insurance, I didn't have any idea about what type of coverage I needed. Before I visited an insurance agent, I did hours and hours of online research to learn insurance terms and to find out about the kinds of policies that are available. The insurance agent also answered my questions so that I would fully understand what I was buying. Since getting the right health insurance is so important, I decided to write this blog to help others understand what type of policy they need and what is covered.


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Getting Original Medicare? Two Reasons To Add A Supplement

Original Medicare is a federally-sponsored medical program designed to cover specific healthcare-related needs for particular segments of the population. Medicare is all about you because, unlike other types of insurance, it is not designed to cover your spouse, partner, children, or other family members. The coverage is specifically for you and takes care of basic needs such as hospitalization and doctor's visits. However, while it's wonderful to qualify for Medicare you must remember that it is not comprehensive. You may have medical needs that fall outside of the coverage provided by Medicare. If this is the case and you want to ensure you have adequate protection, find out why you should contact a licensed insurance representative to take out a supplement policy today.

Get Help With Some Of The Costs Associated With Original Medicare

The amount of money you'll pay for your Parts A & B premiums depends on a number of factors. For the most part, your cost boils down to how many work credits you've managed to obtain throughout your life. While some people will have put in so many hours over the years that they won't have a premium for Part A, it's almost certain that you will have some type of premium for Part B. By the time you actually qualify for Medicare, you may be retired and no longer making as much money as you did in the past. If so, the premiums, co-pays, and deductibles you become responsible for under Original Medicare could put a real dent in your budget. 

Getting a supplement policy may be able to help offset some of the costs associated with Original Medicare. Medicare supplements come in different categories, each with varying benefits depending on your region. The best thing to do is schedule some time to speak with an agent so you can see which plan will be most helpful for your unique situation.

Expand Your Coverage For Current Or Potential Health Challenges

Sticking with Original Medicare may seem ideal if you are in reasonably good health. However, you never know when this could change and you find yourself in need of constant care. 

Getting a supplement right now in anticipation of future ailments may be the best course of action. You'll be prepared in case an emergency happens so you won't have to deal with such a dynamic shift in your financial footing.

Medicare supplements are there to fill in the gaps that aren't covered by Original Medicare. Reach out to an insurance professional to learn more about Medicare supplements