Can I get a Medigap Plan F or has it Gone Away?
The highly prized Medigap Plan F is about to be a thing of the past. The government is forcing it out as a way to cut costs. The good news is that you can keep it if you have it. Will it actually cut Medicare cost in Louisiana? It's anyone's guess, but the theory is that seniors will use their doctor less often if they have to pay out-of-pocket.
in Louisiana Medicare Supplements Do Not Cover Prescriptions
In years past supplemental plans were allowed to offer prescription coverage. Not anymore. Today, supplements must be in lock-step with Original Medicare. If Medicare doesn't cover it, then supplemental insurance can't cover the gap. That means the only way to get help with prescriptions is through a Louisiana Medicare Part D plan.
Louisiana has Standardized Medicare Supplements
The Louisiana Department of Insurance and the federal government passed laws that require insurance carriers to standardize Medicare Supplement insurance. Plans must be identified as Medicare Supplement Insurance and plans must follow the state's standardized naming convention. Each standardized plan offers the same benefits. Only the monthly premiums, and how the premiums are calculated, may vary.
All Medicare Supplements sold in Louisiana provide the same general benefits, however, some provide more gap coverage. This lets you to select the plan with the amount of insurance you want.
Each carrier markets the policies it deems best. Insurers:
- Are not required to offer every plan
- Must offer Plan A
- Must also offer Plan C or Plan F
To learn more, visit the Louisiana Department of Insurance website at http://www.ldi.la.gov/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of Louisiana dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in Louisiana is the State Health Insurance Assistance Program (SHIP). They offer free, one-on-one counseling and assistance. You can contact them by telephone or by visiting their website:
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