What is Medigap Insurance?

What is Medigap Insurance?  If you determine that Medicare does not fully meet your health care needs, you should consider adding a Medigap policy to your Medicare plan.

Medicare was created to pay certain medical expenses for those over the age of 65. Unfortunately, large omissions in coverage can make it difficult for seniors to get the health care that they need. If you decide that Medicare does not fully meet your health care needs, you should consider adding a Medigap policy to your Medicare plan to ensure complete coverage.

An important note- a Medigap policy only covers one person. If both you and your spouse choose Medigap coverage, you'll each have to buy a separate policy. A Medigap policy can be purchased from any insurance company in your state that is licensed to sell one.

According to www.medicare.gov , these are some of the items and services are not covered by Medicare Part A and Part B:

  • Long-term Care
  • Dentures
  • Cosmetic Surgery
  • Routine Dental Care
  • Routine Eye Care
  • Routine Foot Care
  • Hearing Exams
  • Hearing Aids

Medicare does provide coverage for many services, items, and tests, although this coverage often depends on where you reside.  If your particular item, test, or service isn’t listed at http://www.medicare.gov/coverage/is-your-test-item-or-service-covered.html , talk to your doctor or about why you need these items or services and ask if Medicare will cover them.

Even those who are currently in good health and feel that Medicare provides the coverage that they need may want more coverage as they age. For this reason, anyone eligible for Medicare, enrolled in Part A and Part B, should take supplement insurance into consideration.