When you are enrolled in traditional Medicare, you generally have basic Part A (hospital) and Part B (medical) coverage. To help pay for costs that Medicare does not cover, you have three options:
- Add a prescription drug plan (Plan D) to add drug coverage
- Add Medicare supplement insurance, also known as ‘Medigap’, to cover the gaps in your traditional Medicare plan.
- Change to a Medicare Advantage (Plan C) health care plan, such as an HMO or PPO, that provides all of your Part A, Part B, and often Part D coverage.
Am I eligible for a supplemental plan?
Medicare supplement plans are not subject to annual enrollment periods. You can change plans at any time of the year. Knowing this fact allows you to compare your plan options and change to a different plan or company at any time. If you think you can get the same plan to get a better price from a different company, you can change and start saving immediately. When you search for information online or complete a form to win a prize, you may be entering your personal information in a leading service. They will sell your information to several agents who contact them to provide them with the names and contact information of people seeking information about Medigap-Medicare supplementary plans. This is what the avalanche begins!
You can avoid this by always making sure you are on the website of a legitimate and licensed broker. There must be a toll-free number to call and an email address to contact them. If you need to provide all your personal information to receive a quote, you may be in the wrong place. You decide to join or change to Medicare supplement plans for 2021 when you are first eligible. Each year, you can review your health and prescription needs and change to a different plan during the Annual Election Period, from November 15 to December 31. You can make changes to your Medicare health insurance during this time.
What does the J plan cover?
As with any Medicare Advantage or Medigap insurance plan, Plan J covers certain gaps in Medicare Part A and B coverage. This includes:
- home recovery
- Enrolling at medicaresupplementplans2021.com/ for the upcoming year
- care provided by specialized nursing centers
- emergency care when traveling abroad
- Charges/expenses for Part B surpluses
- Medicare coinsurance (Part B)
- Franchises of parts A and B
- up to $120 in preventive care that Medicare does not cover