Austin, October 19th, A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the healthcare costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare supplement plan doesn’t cover, like medical care when traveling outside the U.S. If Original Medicare is in place and a Medigap policy is bought, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then the Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan.

 Those plans are ways to get Medicare benefits, while a Medigap policy only supplements the Original Medicare benefits. One should have Medicare Part A, Part B and Part D. Medicare Part A covers hospitalization as well as other services. The services include Hospital care, Skilled nursing facility care, Nursing Home Care (provided aid is it simply custodial care), Home Health Services, Hospice. And Medicare Part B covers most doctor services that are medically necessary. It also covers Preventative care, Durable Medical Equipment, Hospital outpatient services, Lab tests and x- rays, Mental Health Care and Medicare Part D provide prescription drug coverage.

 This part of the coverage is not provided directly through Medicare as it is offered by private insurance companies who contract with Medicare to offer the plans. Medicare supplement plans are separate insurance policies offered by private insurance companies. These plans were designed to some or all of the gaps that Medicare does not cover. They are also called Medigap plans. Currently, there are 10 different plans available lettered A-N and they are standardized by the government. This means regardless of which insurance carrier is offering the plan, they must all contain the same benefits within each plan letter. For example, a Plan F from Mutual of Omaha has identical benefits to a Plan F offered by Aetna. Although the benefits are the same, the premiums that each carrier charges are not. In fact, there can be substantial differences in the monthly rates for the exact same coverage.

“About Us” Summary for the organization:

Russell Noga started in 2009 with a view to helping Seniors overcome the hassle of choosing a right Medicare supplement plan. At they help people who are new or confused about the system, to apply for the best Medigap insurance to fit their needs by focusing on making sure they understand the options thoroughly. It might seem confusing, but has come forward to help thousands of people to make it easy! Most people think they have to wait until December’s enrollment period to change their plan. This isn’t true. As waiting would result in ending up paying extra each month thinking they cannot switch Medigap plans right now. Every company has identical benefits within each plan letter. Therefore people owe it to themselves to shop around and see which company has the best rates.’s FREE online quoting system allows users to do this. is the ultimate guide when choosing for the best Medicare supplements plans 2017 and 2018.

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