Medigap Approximately 87% of the beneficiaries of fee-for-service Medicare programs have additional Medicare insurance policies (most are a form of Medigap insurance) that pay for some or all Medicare deductibles and -Zuzahlungen, usually in part a and part B. the people must be enrolled in part a and part B in order to be entitled to acquire a Medigap insurance. People in the Medicare Advantage plan (Medicare Part C: Part C (Medicare Advantage Plans)) are enrolled, no Medigap policy can buy, provided they remain within the Medicare Advantage plan and return to Original Medicare to return. Most Medigap insurance be purchased individually by private insurers, although employers may also give retirees. There are 14 different types of Medigap insurance, they are labeled A through N. The benefits are the same, regardless of the insurance carrier for all plans with the same letter. No plan can duplicate Medicare benefits. The basic plan (Plan A) covers hospital co-pays 100% of eligible costs for the coverage of Medicare Part A, after the Medicare hospital services Part B co-payments are exhausted, the other plans that have higher premium than Plan A, to an additional provide coverage of a qualified nursing home and to cover deductibles in part a and part B preventive health services and short-term domestic support for the activities of daily living (ADL) while recovering from an illness, injuries or operations. Some of these plans that were bought before Medicare kicked Part D into force covered a percentage of the cost for outpatient prescription medications from. The open Medigap enrollment period begins in the month in which the people are 65 years of age, and lasts 6 months. During this time, people can not be denied, or they can not be calculated reimbursement with pre-existing conditions; However, it can take up to 6 months until the pre-existing conditions are covered. Long-term care insurance Very few private health insurance policies cover benefits from such long-term home care or long-term care in a nursing home. However, some private insurers offer a long-term care insurance. Such plans are useful for people who want to save their assets and can afford to pay the premiums until, possibly for a prolonged period, need care. This insurance is not recommended for people with low wealth and can be rewarding for people who can easily pay for long term care. The services usually begin when a person is unable to perform a certain number of everyday activities. Some plans, the so-called. Tax qualified plans offer tax advantages (eg. As discontinuation of premiums from taxable income as medical costs). For all long-term care services the private insurance only pays 9%, 22% are to be paid out of pocket. A large proportion of spending out of pocket is payable when the elderly spend more in order to qualify for Medicaid.


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