Category Archives: Blog

Will Medicare Supplement Plan cover the surgery charges?

The Medicare Supplement Plans have been designed to cover the additional and extra charges which aren’t covered by the original Medicare Part A and Part B programs. Most of the times the original Medicare plan pays off the 80% of the expenses but does not do so with the 20%. These are the coinsurance and deductible charges which needs to be covered by the bearer. However, most people are often concerned whether the Medicare supplement plans cover the surgery charges or not. As a result, it is better to consult with an experienced person or the agent.


There are basically two types of Medicare plans which cover the surgery costs and are divided in two different parts.


The Part A of the Medicare plan helps to cover the hospital expenses  and the service charge of nurses and other providers. However, on the other hand, the Part B of the Medicare plan covers the charge for the necessary treatment and equipment required for the surgery. Nonetheless, the insurer must meet the certain guidelines for the two services to be carried out.


Medicare Supplement Plan Coverage for surgery

To determine whether your surgery costs will be covered by the Medicare supplement plan or not, you should check if the original Medicare plans cover for it. If the original Medicare plan covers for a certain area, the other remaining portion would surely be controlled by the Medicare supplement plan.


Medicare supplement plans 2019The Medicare will pay about 80% of the total bill amount and you will be required to pay the rest 20% which includes copayments, deductibles and coinsurance. However, if you do not have a medicare supplement plan, you will be caught responsible for paying the 20% of the charge. If your Medicare supplement plan holds to be valid the remaining charge will be covered by it. Therefore, you will not need to spend anything on your own.


Estimate the cost of surgery

It is pretty tough to determine the actual amount of surgery as doctors too are unaware of the services you may need. You must consult with your doctor how much you will be required to pay. Also, check with the hospital whether you are inpatient or outpatient because the charge usually varies depending on this factor too. It is very much necessary to check what type of Medicare supplement you have. This will give you a brief idea about what it will pay for. The payable amount usually depends on the letter.

Can you purchase a medicare supplement plan if you had pre-existing condition?

Pre-existing medical conditions are referred to those which you have prior to beginning with your health benefits. As far as medicare supplement plans are concerned, the pre-existing health condition is referred to the one that you have before beginning with your medical supplement plan. If you have an original medicare plan, you may get to enjoy the additional benefits with it. Also, it tends to offer all necessary requirements in case of pre-existing condition. Therefore, if you have been thinking to buy a medicare supplement plan, you will need to be a little considerate about the eligibility procedure.


How can pre-existing conditions have an effect on the Medicare supplement plan eligibility?

Although the Medicare supplement plans follow the governmental regulations, they are basically offered by the private institutes. The Medicare supplement plans are usually named depending on the standard letter across the board. But, the charges of premium for the Medigap plans usually vary from one place to another. The difference in price also depends on the location and company from which you will be purchasing it. Basically, for the same coverage you will have to pay different charges.

Find a supplement plan here

Some of the medicare supplement plan insurance companies have their own procedure of charging the premiums. They look into a lot of factors before actually determining the rate of the premium. Also, the price of the premium keeps on increasing each year which is why you should choose your plan wisely. As a result, you should prefer to look up for references. With the presence of internet, things have become pretty easy and therefore you can easily check and compare the premium rate of different companies in your area. Nonetheless, if you do not do a proper research, you will end up paying more than required.


Do the Plans cover pre-existing conditions?

If you are enrolling for the Medicare supplement plan after the expiry of Open Enrollment Period, the medicare insurance company will refuse to pay for it. This is standardized by the law. This period usually lasts for six months and is referred to as pre-existing conditions waiting period. This is applicable to all the health conditions that you have been diagnosed with ever since the beginning of the coverage start date. The waiting period can be avoided too if you have the coverage period before the six months. Almost all the health coverage will be considered to be valid if you do not have a break in the coverage for maximum 63 days.

Can you switch your medicare supplement plans?

The rate of the premium keeps increasing each year which further becomes a problem for a lot of people. Therefore, in cases like these a number of people prefer changing their Medicare supplement plans. If you feel satisfied with your current plan, you can definitely work with that, but if you are not you can consider changing. You need to stick to a plan, as long as it can fulfill your requirements. There are various reasons why you may consider changing your plan. But, you can actually discuss with your company about the whole procedure.


As per the federal law, you have the right to purchase the Medicare supplement plan during the Medigap Open Enrollment Period. Usually, this period becomes valid since your 65th birthday or from the day your Part B plan becomes valid. The Open Enrollment period lasts for a time period of six months. If you’re purchasing the plan during this period, you won’t be denied or the potential benefits. Nonetheless, if you miss out on it, you will have to get a medical underwriting.


Switching after open enrollment period

When your Open Enrollment period ends, the insurance companies will refuse to sell the Medicare supplement plans to you. They may do other things too such as charge higher premium owing to a pre-existing health condition or delay to provide you the plan. Many times, you will need to undergo the medical underwriting process too.

However, you can choose to switch the plans in this case. But, the only disadvantage would be that you will need to put extra effort and take up a higher level risk.


What if you aren’t satisfied with new policy?  Find a new one at

If you have switched to a new policy and do not like it, you can immediately ask to change the Medicare supplement plan within the first 30 days. It is easy to cancel during this period since you have the option of ‘free-look period’.


Will you need to switch if you move to other place?

Technically, if you own the Original medicare Part a and B plans, you will not need to switch your medicare supplement plans no matter which place you move to.


However, if you want to purchase a new policy, you can definitely contact the insurance company and know about the plans. In that case, you may need to pay more if you are out of your Medigap open enrollment period. Therefore, you need to be completely prepared for the whole situation.

Claim Versus Personal Responsibility

Claim refers to a person’s privilege when it comes to prerogative. However, this definition has been deleted from claims such as Social Security or Medicare: “I’ve paid in, and now the government pays off,” or claims like “Give it to me, because I want/need/deserve it now.” The latter may arise, because there is a literal need – hungry children – that translates to a literal want – we must have food on our shelves – and then to an entitlement attitude – you do not want us starving, do you? We are entitled just because we have an entitlement.

There are many claims in this country, from food stamps, to rent reductions or additional income, to income-earned credit, to salary and income deductions. I do not begrudge anyone these services. I only hope that after receiving these people they will work to find independence and personal responsibility. In this way the claim is a tool and not a permanent crutch.

Self-responsibility means that effort, hard work, and training or education have paid off with monetary rewards. I can buy food for my family because I have a job that I strive for; always arrive early and (if necessary) work overtime to meet my requirements.

I do not call on the phone to say I’m sick, I have a rainy day fund and plan my finances so that every day, every week and every month is healthy and happy. When offered a bonus for work done, I accept it and use it to get ahead, rather than wasting it and asking how my family and I will survive until the next paycheck. Find a plan with Mutual and other carriers @

Self-responsibility also means that I know and appreciate claims and use them as necessary for personal well-being. For example, the Food Bank offers fresh produce once a month, so I take advantage of it. I also volunteer to help with the meal service, and I have a clear sense of earning this reward. I do not judge others about this wonderful food because I know that times are hard and that they can come to anyone. I just hope that those who simply receive without trying to repay will find a way to make their lives stronger and better by learning the routine for payback.

I know several relatives who are reaping the benefits of Medicare, a clear state authorization. No matter how hard they argue that they paid into the service and deserved it, I know they never paid the $ 100,000 required for open heart surgery. I do not deny the medical and financial support they have received, but I want these family members to do two things.

They have to admit that this is a privilege and that it was partly “earned”, but not completely earned.

Secondly, I would like them to take responsibility for making some lifestyle changes related to the operation, eg. life stress, diet, exercise, and reducing intensity, and following post-operative instructions. That only makes sense to me and can prevent a return to the hospital.

Which Medicare supplement plan should you choose? Plan G or Plan F?

Although there are 10 Medicare supplement plans as standardized by letters, but out of them the Plan G, Plan F and Plan N happen to be the most famous ones. But, people are often confused about which plan to choose, Plan F or plan G, because both of them have same coverages. However, there is a slight difference in the premium too. There is only a certain criteria in which the Plan G may be different from that of Plan F. Nonetheless, understanding the benefits of each of the Medicare supplement plans can help to distinguish and determine which one is the best for you.


Benefits of Medicare Plan F can be found here

Out of all the ten plan, the Medicare Plan F covers most of the arenas. This plan covers most of the parts of Part A as well as Part B. Some of the prominent benefits of the Medicare plan F include


  • Deductible and coinsurance of Part A.
  • Co-payment and coinsurance of Part B.
  • Deductibles for Part B.
  • The extra or additional charges for Medicare Part B.
  • 80% of the emergency in the foreign travel.
  • First three pints of blood.
  • Hospital expenses related to Part A
  • Medical expenses related to Medicare Part B


Benefits of medicare Plan G

The benefits of Medicare Plan G are very much similar to that of Plan F. However, the only difference is that Part B deductible is not included in plan F. Also, the premium charges for Medicare Plan G is very less than that of Plan F. Despite Part B deductible option not being available, the insurers will be able to save money because of low premium.


Which plan is the best for you?

The month premium charge for the Medicare supplement plan will be dependant on a number of factors such as age, gender and more. Plan G is affordable due to less premium. But, Plan F is expensive since is offers full coverage. It is for this reasons that a number of people choose Plan F over Plan G.


However, before you make any decision you should understand the terms and coverages for the Medicare supplement plan. Also, make sure to check for your lifestyle and health conditions to determine if which plan will the best for you. To determine all these factors, you should prefer consulting an expert agent. They will not only explain to you the benefits but also help you choose the best for you.

Out of Pocket Medication Costs: Top 5 Tips to Lower Them

1. Evaluate your drug coverage every year


As per the federal guidelines, Medicare Advantage along with a stand-alone Part D Medicare Prescription coverage might change on a yearly basis. For instance, insurance companies might add medications from a list of drugs that are covered, raise coinsurance & copayments, or even move medicines from lower tiers to higher tiers. Your selected provider must notify you whenever such changes are made so that you don’t have to be concerned about the changes in the drugs list without your knowledge. It is very essential to compare different Medicare plans within the AEP. This will ensure you receive the lowest possible cost based on your chosen medications.  Find a 2019 supplement plan at


  1. Generic medications


Medicare Supplement Plans 2019While you might find a few cases where brand-name medicines are essential, most times lower-priced generic medications could work just as well when it comes to treating your disorder. Sadly, some physicians don’t take into account the drug prices when they writing prescriptions. So, it’s your duty to communicate with your doctor about generic medications. Don’t be shy to ask them about generic drugs which might work just as effectively as brand-name drugs when they’re writing your prescriptions. A few Part D coverages have copayments that can go as low as zero dollars when you utilize generic medicines.


  1. Mail-order pharmacies


If you have a plan that includes mail-order pharmacies within its network, then you would want to compare the costs of utilizing mail order with retail pharmacies. In addition to being convenient, mail order pharmacies might cost you significantly less in long-term. Plus, you can also expect free standard shipping with each of your orders.


  1. Utilize the donut-hole calculator by AARP


This tool helps seniors know how close they’re to reaching their coverage donut hole. It can further assist you in identifying similar drugs that are identical in nature that costs a lot lower than the ones you are already taking.


  1. Consider Medicare Supplement Plans


Although Medicare covers 80% of your bills, you have to deal with the remaining 20 percent costs on your own. Medigap plans are intended to help you cover up the gaps present within your current Medicare plan. You definitely want to consider them to further cut down your expenses on health care in the long run.