Maine Medicare Supplements

Maine Medicare Supplement Insurance Or Medigap Policy Is The Health Care Insurance Policy Offered By Private Insurance Companies. Maine Medicare Supplement Insurance Covers The Services Which Original Medicare Does Not Provide.

The Gaps In The Maine Original Medicare Are Filled In By Maine Medicare Supplement Insurance Policies.

Enrollment In Medicare A And B Is Mandatory To Join Any Medicare Supplement Insurance Policy.

You Need To Pay A Monthly Premium For Medigap Policy Along With The Monthly Premium For Medicare.

Medigap Policies Are Urged To Follow Federal And State Laws.

Medigap Policy Is Standardized And Identified By Letters From A To N.

Medicare Supplement Insurance Policy Does Not Cover Prescription Drugs. You Need To Buy Medicare Part D For Prescription Drug Coverage.

Medicare Supplement Insurance Is Different From Medicare Advantage Plans.

All The Standardized Medigap Policies Give Same Basic Benefits And Do Not Change With The Company.

You Have To Decide The Type Of Plan According To Your Needs And Cost Of The Plan.

To Join Medigap Policy

  • You Must Sign Up For Part A And Part B.
  • You Have To Pay A Monthly Premium Along With Part B Premium.
  • You And Your Spouse Need To Buy Individual Medicare Supplement Insurance
  • Policies, Since One Medigap Policy Covers One Individual.
  • You Can Buy Medicare Supplement Insurance Policy From Insurance Agent Licensed In Your Maine.
  • You Can Renew Your Standardized Policy Even If You Are Unhealthy.
  • If You Want To Avail The Benefits Of Medicare Prescription Drug Plan (Partd) You Have To Buy The Plan Offered By Private Insurance Companies As It Is Not Included In Medicare Supplement Insurance Policy From January 1, 2006.

New And Important In 2010

Medigap Policies Have Changed The Plans And Benefits With Effective On Or After June 2010.These Benefits Are Useful And Offer Options To Cover The Health Care Cost Which Original Medicare Does Not Bear.

Some Of The Main Features Are

  • Hospice Part A Coinsurance Will Be Offered As Basic Benefit.
  • Plan K, L And N Will Pay Some Portion Of Part B Coinsurance And Copayments Resulting In Low Premiums.
  • Plans M And N Are The New Medicare Supplement Insurance Plans Offered.
  • If You Buy Plans D And G On Or After June 1,2010,Their Benefits Are Different Than The Prior Ones
  • Plans E, H, I And J Are Not Sold After May2010.They Continue To Benefit People Those Who Have Previously Bought It.
  • According To New Laws From June 1, 2010, Every Insurance Company Must Offer Plan A And Plan C Or Plan F With Any Medigap Policy They Sell.

Maine Medigap Policy Does Not Cover

A Medicare Supplement Insurance Policy Does Not Cover Long Term Care In Nursing Home, Hearing Aids, Spectacles And Vision.