Medicare supplemental insurance Virginia and its coverage

As a person above 65 years of age or with a disability, choosing the right medicare supplemental insurance in Virginia can be quite an arduous task. With several alphabets denoting specific benefits and coverage, it is essential  to understand how they work and their details.

Original Medicare Part A and B is run by the government and covers a specific amount of hospital insurance and medical insurance. However, Original Medicare does not pay for 100% of all service costs.

If you are a Virginia resident, we advise you to keep a few key points in mind before enrolling in any plan.

  • Check the doctor’s network in your plan. If you have a preferred doctor, check if they participate in the same plan that you want.
  • Virginia residents can avail of Stand-alone Prescription Drug Plans (Part D).
  • Plans are rated on roughly 45 parameters, including customer service and coordination. It is advisable to consult with your insurance policy advisor before selecting the one that suits you the best.
  • You will need to pay extra premium, over Part B premium, to avail of any Medicare supplement insurance in Virginia.
  • Any person turning 65 or with an end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS) can avail of supplement insurance plans.
  • A person with Social Security Disability Insurance (SSDI) can qualify for Medicare after a waiting period of 2-years.

To know more about Medicare supplemental insurance in Virginia, reach out to experts on www.askhpm.com or book a consultation call with us today!