Choice of Medigap Policy                                                                    

Choosing between Plans B, C and F is done following the client's evaluation of C’s and F’s added benefits.  And they are as follows:

1.      Skilled nursing facility co-payment, if doctor prescribes you be sent to such a facility.  If, instead, doctor directs you be sent home, Medicare covers home care without co-payment.  (Plans C and F)

2.      Foreign travel emergency insurance or you can purchase your own insurance for a trip outside the U. S.  (Plans C and F)

3.      Part B Deductible of $135 can be considered a pro-rata return of $11.25 per month, representing a partial refund of the increase in premium you’re paying for Plan C and F.

4.      The choice of 100% of Part B Excess Charges Benefit will depend on whether most of your doctors are non-participatory. (Plan F)

Updated: January 4, 2008

 

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