The 2019 Medicare “open enrollment” period runs from October 15 to December 7, 2018. During this time, Medicare recipients must make any desired changes to their benefits. Changes include adding or changing any one of 10 supplemental plans that cover charges Medicare does not cover, like deductibles and co-pays. If you have Medicare coverage or will turn 65 soon, don’t delay. Meet with your Medicare insurance advisor and ensure you have the best plan for your current health situation.
There are many reasons for changing a supplemental plan. These include keeping the doctor or hospital of your choice, access to specialists without restrictions, nationwide emergency room coverage, and lower co-payments.
Private insurance companies provide Medicare supplemental plans or Medigap plans. However, the government regulates those plans, ensuring that benefits remain the same no matter which insurance provider you use. Thus, plan A is the same from every provider, but insurance carriers may charge different premiums. The government also guarantees that you can renew your supplemental policy even if you develop health problems.
Of the top 10 plans for 2019, MedicareFAQ rated supplemental plans N, G, and F the best, in that order. However, your Medicare insurance advisor can provide the best guidance based on your particular health situation. Advisors are very busy at year-end, so call now to ensure ample time to review your choices. If you’re turning 65 soon, you’ll become Medicare-eligible. Don’t wait until that deadline to review supplemental plans.