Many people experience excess healthcare costs that are not covered by their current Medicare Plan.  You can add a Medicare plan to your current plan to fill in these coverage gaps.  Since each person has his or her own healthcare needs, you can pick a plan that best suits your medical and financial needs.  

 

Finding a plan in your area:

It is important that you choose a plan that is offered by a Medicare carrier in your area.  Many times, the Medicare carriers are a member of a network of doctors and hospitals within your area.  These doctors and hospitals accept the Medicare Plans that the Medicare carrier has offered in the area.  If you choose to use a doctor or hospital outside of the coverage area, you may not receive coverage on the expenses you are charged with.  In the case of an emergency, you may be able to receive extended coverage on your Medicare plan. 

 

3 Medicare Carriers and 14 Medicare Plans for Independence, MO area

 

1.  Gerber Life Insurance Company offers three of the 14 Medicare Plans in your area.  They area Medicare Supplement Plans A, F, and G. 

Medicare Supplement Plan F has a monthly premium of $169.67.  There is a $0 co-pay for office visits (both primary care and specialty), hospital inpatients, and hospital outpatients.  Pharmacy, such as prescription drug coverage, is not included with this Plan.

 

2.  Mutual of Omaha Medicare offers seven Medicare Plans to your area.  They are Medicare Supplement Plan A, C, D, F, G, M, and N.

 

Medicare Supplement Plan G has a monthly premium of $135.73.  There is a $0 co-pay for office visits, hospital inpatients, and hospital outpatients.  Pharmacy is not covered with this plan. 

 

3. Anthem offers four Medicare Plans: Medicare Supplement Plan A, F, G, and N.  Medicare Supplement Plan N has a monthly premium of $112.  Both primary care and specialty office visits have a $20 co-pay.  Hospital inpatients and hospital outpatients have $0 co-pay.  Pharmacy is not covered with this Plan.

 

Benefits and coverage of the Supplement Plans:

Medicare Supplement Plan F: offers coverage on excess fees of your Medicare Plan. This includes fees you may encounter at doctors visits, such as “out-of-pocket” fees.  It also offers coverage for your Part B deductible.  Foreign travel emergency insurance is on of the many benefits of this plan.  Medicare Supplement Plan F is one of the most popular Medicare Plan.

 

Medicare Supplement Plan G: offers extended coverage on excess charges of your Medicare Plan.  Plan G covers Medicare Part A and Part B co-payments and co-insurance.  However, one must not that Part B deductible is not covered with this Plan.  A skilled nursing facility is one of the many benefits of selecting this Plan.

 

Medicare Supplement Plan N: is one of the newest Plans offered to Medicare customers.  It was designed to offer coverage on your Medicare fees, while keeping the cost of its premium low.  This Plan offers complete coverage of your Medicare Part A deductible. 

 

f you are interested in getting a Medicare Plan and live in Missouri, please contact the Medicare experts at MyBestMedicare.  They are industry veterans and will guide you through the process of getting the right Medicare, Medicare Advantage, MediGap, or Medicare Supplement Plan for you.