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You don't want to end up not being able to afford the care you need when you are sick. That's why you need to have a plan to take care of some or all of what Medicare doesn't pay. There are two ways to do that: Enroll in a Medicare supplement insurance policy or a Medicare Advantage plan.
So what is everyone else doing? According to the Kaiser Family Foundation, about 50% of the people who are not covered under a retirement benefit or Medicaid have a Medicare supplement insurance policy. About a 25% have a Medicare Advantage Plan and about another 25% have Medicare alone.
Medicare supplement plans are also called Medigap plans. And Medigap plans in Mississippi are standardized. That means the insurance companies that sell them must use the preset model plans established by the insurance commissioners. The benefits of each plan type are the same from any company that sells them.
The premiums and the financial ratings of the company as well as the level of service provided is where these plans differ. Because Medicare supplemental plans are our specialty, we can help you know which Mississippi Medigap plans have the lowest premiums and inform you about other factors that can help you make the right decisions. We help you save on Meidcare supplemental in Mississippi.
Medicare Part D prescription coverage is an important part of your healthcare insurance. The right plan can significantly lower your prescription costs. Our agents have the knowledge needed to help you find the plan that will give you your overall lowest costs.
Dental, Vision, and hearing coverage is another way we can help you. We have several plans that can give you a significant benefit.
Some people may prefer not to purchase Medicare supplement insurance because they prefer taking on more of the financial risk themselves in exchange for a lower premium. Medicare Advantage plans require payments of copays and in some cases a 10% or 20% coinsurance when medical care is received.
Advantage plans have protection against catastrophic costs by providing an annual out of pocket limit. These Medicare plans can be a convenient way to have all your benefits in one plan because they may include your prescription drug benefits and they may provide other benefits not provided by Original Medicare.