Can I get a Medigap Plan F or has it Gone Away?
As of January 1, 2020 the highly prized Plan F will be a thing of the past. It's being phased out as a cost-saving measure by the government. However, if you get a Plan F in Pennsylvania now you can keep it. There are many opinions about how eliminating Plan F will save money. The general consensus is that seniors will go to the doctor less often if they have to pay out-of-pocket.
Medicare Supplements Work with Medicare Part D
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 Pennsylvania Medicare Part D plan.
Pennsylvania Medicare Supplements are Regulated by Law
By law, all Medicare Supplements sold in the state of Pennsylvania are standardized. This means that every policy must be clearly identified as Medicare Supplement Insurance and it must offer the exact coverage allowed. This allows all plans to compete on price (premium).
All Medicare Supplements sold in Pennsylvania 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 you can visit your state's Department of Insurance website at http://www.pahealthoptions.com/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of Pennsylvania dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in Pennsylvania 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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