Guido D. Aloisi
Missouri Medicare Supplement Insurance
We help people with Medicare understand Medigap (also called "Medicare Supplement Insurance"). A Medigap policy is private insurance that helps you pay for some of the costs that Original Medicare doesn't cover.
What's New and Important in 2010?
New laws have brought many changes to Medigap (Medicare Supplement Insurance) policies. These changes give you choices in health care coverage to fill gaps in services that Original Medicare doesn't cover.
- Basic Benefits - Starting with policies effective on or after June 1, 2010, Hospice Part A coinsurance (outpatient prescription drug and inpatient respite care coinsurance) will be covered as a basic benefit. Plan K will cover 50%, and Plan L will cover 75% of these costs.
- Part B Coinsurance - Plans K, L, and N will require you to pay a portion of Part B coinsurance and copayments, which may result in lower premiums for these plans. All other Medigap policies pay Part B coinsurance or copayments at 100%.
- New Plans Offered - Plans M and N are new choices.
- Plans D and G - Plans D and G bought on or after June 1, 2010 have different benefits than D or G plans bought before June 1, 2010. But, if you bought Plan D or G before June 1, 2010, you can keep that plan and the benefits won't change.
- Plans No Longer for Sale - Plans E, H, I, and J will no longer be sold after May 31, 2010. But, if you already have or you buy Plan E, H, I, or J before June 1, 2010, you can keep that plan.
In Addition
WHAT YOU NEED TO KNOW IF YOU BUY A MEDIGAP POLICY?
WHEN IS THE BEST TIME TO BUY A MEDIGAP POLICY?
We can provide you with information on the new laws and assist you in making the best choices for the money you spend for healthcare.