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Providing coverage through original Washington Medicare

by adam john adam (2018-05-04)

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Washington Medicare Supplement plans were created to work with Medicare to supplement your Original/Traditional Medicare coverage. These plans were created to provide coverage for what’s not covered by Original Medicare. This includes out of pocket expenses such as deductibles, copayments and coinsurance.Medigap policies are the same as Medicare Supplement plans but are offered by private insurance companies at Vertigo. Washington Medicare coverage benefits are broken down into parts and plans.

Supplement plans:

Medicare Supplement plans are also referred to as Medigap plans, cover some out-of-pocket costs such as deductibles and copays that you would experience with an Original Medicare plan. Washington can provide up to 10 Medicare Supplement plans.These plans are all designated by a letter of the alphabet, A through N. Because these letter designations are standardized by Medicare, it makes for easier comparison shopping. No matter where you purchase the plan, the plans with the same alphabet letter designation will offer the same coverage.

Extra benefits:

For example, there are 10 companies in Washington that sell Plan C. All offer the same benefits, no matter where you purchase the plan from. There are five companies that offer Plan B, and again, all of these plans will offer the exact same benefits. The only difference is the cost the company chooses to charge you for that letter plan.There are many factors that affect the premiums for Washington Medicare plans. Insurance companies all sell the same plans, but the costs of those plans will vary from company to company. Because these rates vary from company to company, you will need to call around in order to find the best rates.

Restrictions:

There are other variables that can cause your premiums to increase, including your age, sex, and location. For instance, a plan in Seattle, Washington will not cost the same as a plan in Spokane, Washington.Medicare Advantage plans in Washington are offered through private insurers. A Medicare Advantage plan covers both Medicare Part A and Part B. However, there are some limitations to be aware of.Limitations such as restrictions on in-network doctors, cancellation restrictions, and coverage limitations negate some of the apparent advantages of purchasing a Medicare Advantage plan. By combining Original Medicare, a Medigap policy, and a Prescription Drug Plan, you will have comprehensive coverage to cover most of your health care costs.

Advantage plans:

If you have an Advantage plan at, you cannot sign up for a Medigap plan and will have higher out-of-pocket costs with the Advantage plan in the end.If you are enrolled in Medicare, you need to consider how you’ll pay for health care costs that your Original Medicare plan doesn’t cover. Remember, if you just have Original Medicare, then 20% of your costs will not be covered.Signing up for a Washington Medicare Supplement plan and Part D PDP plan can give you the additional coverage you need to know that your costs will be covered. It is peace of mind for you and your family.



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