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Choice of Medigap Insurer Can Facilitate Paperwork
The attempt in this Medigap counseling session up to now has been to
close the Medicare cost and coverage gaps as completely as possible
with standard Medigap insurance or other insurance, such as employer or
union retirement plans, to enable the clients to focus with clear minds
on their medical care. There is yet another intrusion -- administrative
and paperwork problems -- which I have discussed in the "Health
Insurance Paperwork" segment on the Medicare Page. And, as I
explained in that segment, the choice of a Medigap insurance company is
key to facilitation of paperwork. First and foremost you want a Medigap
carrier which has a crossover agreement with Medicare for the
electronic transfer by Medicare of claim information to them. Crossover relieves the insured from
the responsibility of submitting claims to the Medigap insurance
carrier, and I cannot over-emphasize the importance of this service in
making health insurance paperwork a more manageable chore. I discuss
crossover in further detail in the "Health Insurance
Paperwork" segment 07 on the Medicare Page. Secondly, in case of problems and information inquiries,
you want a company you can contact promptly on the phone without the
use of two or three menus. As important as price may be in the choice
of an insurance company, I believe that the prime requisite is one
which helps you through the morass of collecting health insurance
benefits. We seniors should always remember that we are in the highest
health risk part of the population -- that, at some time, health
problems, with accompanying stress and anxiety may happen; and for
those times we need the "clear mind" and freedom from
paperwork intrusions.
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