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The following article was published in our article directory on April 26, 2012.
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How to Painlessly Change Your Medigap Insurance Plan

Article Category: Advice

Author Name: Neil Primack

If you have had your Medigap insurance plan for some time, you may be thinking about changing it. Why should you change your Medicare supplemental insurance policy? For example, you may have bought a policy that establishes prices using attained age-rated pricing that start low and then gradually increase as you grow older, but you are still relatively healthy and have no serious health problems that may cause you to be denied coverage. The plan you currently have may also no longer offer the benefits that you need. Or your financial situation may have changed for the better or the worse. If you have decided that changing your Medigap insurance policy is the best option, here are some tips on how to do it while saving money and without losing vital coverage.

Make sure you understand all your options. There are currently 10 standardized Medicare supplemental insurance plans which offer more or less the same package of standard benefits in various permutations. Choose a plan based on the benefits you need. For example, if you often travel abroad, you should get a plan that offers foreign travel emergency benefits. You may also consider Plan F if you don t presently have it, since it provides all the benefits offered under Medigap, or Plan G, which offers all the benefits of Plan F except the Medicare Part B Deductible, which you will have to pay out-of-pocket. These plans will also shoulder the excess between the Medicare limit and the actual amount the doctor charges.

Assess your health history. If you don t need much coverage since you are still in good health, you may opt for Plan N, which has lower premiums but a co-pay for doctor s visits and trips to the emergency room. If you have a chronic condition that requires frequent medical treatment, Plan K or L may be a better choice since there is a yearly cap on your out-of-pocket medical expenses; after your bills reach this amount, the company pays 100|of all further covered medical service costs.

Think about your financial situation. Will you be able to afford the plans you are interested in six months or a year from now? This will also help you avoid being underinsured just when you need particular benefits the most.

Never cancel your current policy until you have been approved for a new policy and your coverage begins. Take the approval period into account before you contact your old provider to cancel your current policy. This will help you avoid coverage gaps during which you may not be covered and have to pay your medical expenses 100|out-of-pocket if you get sick.

Work with an independent insurance broker to get your Medigap insurance plan. These brokers are not employed by any particular insurance company and so can offer you unbiased advice as to which plans best meet your needs. And once you ve made a selection, they can help you sign up quickly so that you can start the process of getting coverage as soon as possible.

Keywords: Health Insurance, Medicare Supplemental Insurance, Medigap Insurance, Group Health Insurance

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