If you’re nearing the age of sixty-five, you might now want to consider the right health care plan for yourself. With changes in Medigap for 2019, it’s always a good idea to reach out to private companies and other professionals to help you show the clearer pictures; while some may really provide beneficial information, there are some that may try to scam you for their own profit, by feeding you incorrect information.
There are a few common illegal practices that you must be careful about in order to prevent yourself from making a poor decision. When someone pressures you for any reason, beware! Many people will try to pressure you into purchasing a Medigap policy, to change your insurance company or to change your plan from its entirety.
With different forms of Medigap policies available (such as A, B, C, D, F, G, H, K, L, N etc), many people will try to lure you into purchasing another Medigap policy while you are already availing one. You must realize that you may only have one policy at a time; thus, if you plan on changing, you must cancel your previous policy first. (As per Medicare Supplement Plans for 2019, plan F will soon terminate.)
Anyone that tries selling you a Medigap policy knowing you already have purchased a Medicare Advantage Policy is also an illegal practice. Medigap policies can only be availed simultaneously with Original Medicare policies and not with Advantage. Thus, it is important that you know the clear distinction between these two before you go on to purchase a Medigap policy.
Since Medigap plan is a private plan, anyone that claims that Medigap plan is federally administered is stating an inaccurate claim. It can be purchased separately by private companies to cover any costs that are originally not covered by Original Medicare plan.
Some states in America have made it illegal to sell Medigap plans. Anyone that sells you a Medigap plan in a state where it is illegal to, is doing a major crime. You must call your state’s Insurance Department to gather information regarding it.
As much as you want life to get easier, some things to tend to get complicated. It’s always better to get the right advice from credible sources like any reputable insurance company. They’ll provide you with all the pros and cons for you to choose.