Medicare is a federal health insurance program that offers coverage to people over the age of 65, as well as to those with certain disabilities. Medicare Part A covers hospital stays, while Part B covers outpatient care and services. In addition to Original Medicare, you may also choose to enroll in a Medicare Advantage plan or a Medigap plan. In this blog post, we will discuss the different types of Medicare plans available in Louisiana and help you find the best one for your needs!
What is Medicare?
Medicare is health insurance for senior citizens over the age of 65, or in some cases for people who are disabled, or who have ESRD (kidney failure). Medicare is the primary health insurance for people who are on it, although Medicare does NOT provide full coverage. There are many gaps in coverage left by Medicare, and that is why people purchase Louisiana Medigap Insurance.
Louisiana Medicare — Learning about Louisiana Medicare Supplement Plans is a great way to ensure you are getting the best value for your money when purchasing Medicare Supplemental Insurance. There are many things that you should be aware of when starting to do your research, and the first should be understanding what a Louisiana Medicare Supplement Insurance plan is in the first place. “Medicare Supplement Insurance” is also called “Medigap Insurance” to alleviate any confusion.
How Does Medicare Cover Us?
There are four main parts to the Medicare system:
- Part A (Hospital Coverage)
- Part B (Medical Coverage)
- Part C (Medicare Advantage)
- Part D (Prescription Drug Coverage)
Medicare Part A provides coverage for inpatient hospital care, skilled nursing facility (SNF), blood services, and hospice care. Part B provides coverage for medical services, including medical expenses either in or out of the hospital. It also covers outpatient hospital treatment, blood services, clinical laboratory services (diagnostic tests). Lastly, home health care (approved medically necessary skilled care services and supplies), and durable medical equipment like wheelchairs, walkers, etc. Also, Part B also covers some preventive care services. Part C is a replacement for Medicare and is known as the “Medicare Advantage” plan, or a “Medicare Replacement” policy. Medicare Part D is coverage for prescription Medications.
Although Medicare pays a large portion for healthcare expenses, it by far does NOT provide full coverage. For example, Medicare only pays 80% for most medical expenses. Medicare also requires Medicare beneficiaries to pay large co-pays, co-insurance, and deductibles for hospitalizations, etc.
Which Plan is Best For Me?
Louisiana Medicare Supplemental Insurance can cover all the gaps in coverage left by Medicare. This helps so you are not left paying the deductibles and other out-of-pocket expenses yourself. All Medicare Supplements are designed by Medicare. Benefits of these policies are the same across companies, the only difference is the price they charge.
When comparing Louisiana Medicare Supplement Companies, it is important to understand that there is no reason to pay more money for a certain company over another, because they all provide the same coverage. It is very important that you shop around and obtain multiple Louisiana Medicare Supplement Quotes to ensure that you are receiving the very best price that is available to you.
Instead of going through the hassle of calling multiple Louisiana insurance companies, speaking to multiple (and maybe even pushy) insurance agents, and possibly getting inaccurate or outdated information, you can compare multiple Louisiana Medicare Supplement insurance quotes and plans directly on our website by clicking the following link: Compare Medicare Plans & Quotes. Or, if you prefer to speak with someone over the phone, you can call one of our Expert Louisiana Medicare Specialists who are standing by to walk you through the Medicare maze every step of the way and can guide you on what your best options are. You can call our toll-free number now at (800) 339-4112
What Are My Other Options?
You can also look at Medicare Advantage Plans. These are plans that replace your standard Medicare coverage. They work a little differently, so you’ll want to read about them carefully before you decide if they’re right for you. You can also get help with prescription drug costs by signing up for a Medicare Part D plan.
You have lots of choices when it comes to your Medicare coverage. The best way to figure out what’s right for you is to get some help from a professional. They will know all about Medicare and can answer your questions. Our Louisiana Medicare Supplement Specialists are here to help you make the best choices for your unique situation, so please give us a call today at (800) 339-4112. We’re here to help you! You can also goto www.myunitedinsurance.com for more info.