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Medicare is a government-backed insurance program for people age 65 and older. However, certain people under the age of 65 can qualify for Medicare coverage. The Medicare program is divided into several parts, each covering expenses for different aspects of healthcare.Â
If you are enrolled in an Original Medicare plan, you will notice that you are often required to pay some out-of-pocket amounts when you receive health care. Medicare Supplement Insurance plans, also known as Medigap plans, exist to fill the cost gaps left behind by Original Medicare benefits.Â
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A Basic Plan provides additional coverage to people receiving Medicare Part A and Medicare Part B benefits (Part A and Part B together are referred to as Original Medicare). With this plan, some or all of the out-of-pocket costs for Medicare-approved services will be paid after Medicare pays their portion.
If you choose a Basic Plan you will be responsible for paying all Part A and B deductibles. In addition to the deductibles, you will also be required to pay the out-of-pocket costs for skilled nursing facility care, Medicare Part B excess charges, and foreign travel emergency care.
These benefits are covered by a Basic Plan:
A Basic Plan is best for Medicare beneficiaries who want to minimize their premiums to avoid paying extra for benefits that they are likely never to use. The risk in choosing this plan is that out-of-pocket costs for uncovered benefits may become very high if you do happen to need them.
Before selecting a Basic Plan, you should weigh the risks, costs, and benefits of your other available options. Understanding the differences between the different plans can be a complex process. The experts at Grutz Financial can help you determine which plan will provide you with adequate coverage at the cost you desire.
If you have any questions about Medicare, please reach out to us to schedule a meeting.
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