Is having original Medicare coverage really enough for you? Medicare is confusing for many people. Think of it as any other type of insurance policy. You have basic coverage that provides for some levels of protection, but additional policies and "add-ons" are available that can further reduce the risks that you'll have to pay out-of-pocket for medical care. Determining what you need requires carefully considering the risks you face and the areas of concern you have regarding your medical and health needs.
When is Original Medicare Enough?
For some people, having just that basic level of coverage is good enough. If you are a low-income beneficiary, for example, you may not need supplemental health insurance. If you are qualified for Medicaid as well, you may not need supplemental protections either.
When is This Coverage Not Enough?
For most people, the basic Medicare plan does not provide enough protection. However, you can customize and add to it to ensure it is better suited to your specific needs. The type of additional or supplemental policies you purchase really depends on your unique needs and your budget. For example, the investment in Medicare Part A coverage can give you hospital coverage. Medicare Part B medical insurance provides a higher level of coverage for your needs.
How can you choose the right policies for your needs?
- Determine what your health needs are. Do you have pre-existing conditions that warrant having a hospital plan in place? Are you at a higher risk for hospital stays?
- Are you in need of help for your prescription medications?
- Do you want to reduce how much you pay for medical care out-of-pocket?
- If you are healthy overall and do not want high costs, you may not need some of these additional plans.
Customizing your Medicare insurance to fit your needs can be a big process. With the help of a skilled agent, you can learn more about the options available to you. You will also learn what your costs might be for the coverage you need. It pays to invest the time in learning more about your options to ensure you always have the level of care you need and the financial protections necessary.
Your health is our priority. Call Roe & Associates at (843) 740-1723 for more information on Charleston supplemental Medicare insurance.
