Details Of Medigap Plan E

By Author: William Richards
Total Articles: 366
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Medicare Supplement Plans also known, as Medigap is a private health insurance that is supplementary to the original Medicare policy. And this means that the Medicare Supplement Plans helps to pay some of the health care costs that the original Medicare does not cover. In other words it bridges the gap between the policy coverage of the original Medicare and the total amount payable. It is somewhat like copayments, coinsurance, and deductibles. The Medicare supplement insurance policies sometimes may also cover certain things that the original Medicare does not cover. The point is that if you are having a Medicare policy it would pay for its coverage but along with that if you are also having a Medicare Supplement Insurance Plans it would help you pay the remaining amount of the medical cost that is left aside by your original Medicare policy. But it should be remembered that Medigap is somewhat different to the original Medicare policy.

There are total 12 plans under this Medigap plan just like original Medicare ...
... insurance plan. These Medicare supplemental insurances are offered by many private insurance companies. All these companies are known as Medicare Supplement Insurance Companies and are regulated by government insurance rules. Only the difference is the Medigap Insurance Rates. Some want reasonable rates and some want more. It is completely your choice what plan you will choose that will serve you after you turn 65 years. After your retirement your health concerns will be greatly supported by original Medicare and Medicare supplement insurance. Here in this article you will be informed about plan E of Medigap among 12 different plans. Read this carefully and make your preference.

Medigap Plan E policies provide Basic coverage in addition to other benefits. Basic coverage of all Medigap plans includes:

1.Medicare Part A Coinsurance, and all costs after hospital benefits are exhausted

2.Medicare Part B Coinsurance or Copayment for other than preventative services

3.Blood (first 3 pints). Medicare typically covers all costs associated with blood after the first 3 pints.

4.Medicare Preventative Care Part B Coinsurance

In addition, Medigap Plan E provides the following additional benefits:
Skilled Nursing Facility Care Coinsurance: Under Medicare alone for each benefit period you pay nothing for the first 20 days, and up to $133.50 per day for days 21--100. Medigap Plan E policies cover these additional payments.
Medicare Part A Deductible: For each benefit period, under Medicare alone, you pay -- $1,068 for days 1--60 of a hospital stay. Medigap Plan E policies cover these additional payments.

Foreign Travel Emergency (Medicare coverage outside the U.S.): Generally, Medicare covers none of these costs. Medigap Plan E policies provide coverage of many of these costs, up to plan limits.

Medicare Preventive Care Part B Coinsurance: Generally, you pay the $135 yearly Part B deductible and Part B coinsurance, but there are exceptions. Medigap Plan E policies cover these additional payments.

Preventive Care not Covered by Medicare: Without the Medigap policy, you would pay all costs.

For the best choice of Medicare Supplemental Insurance Plans its better to compare Medicare Plans in which the California Medigap Plans can prove to be the best ones.