Confused About Medicare Coverage?

  • I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    thumb Pilan Sue Butts
    4/05/2019
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    thumb Tina Hiebert
    9/19/2018
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    thumb Joe Moynihan
    6/15/2018
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    thumb Angele Navares
    4/30/2018
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    thumb Elizabeth Tatge
    12/07/2017
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    thumb Karen P. Katz
    11/07/2017
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    thumb Rick Graves
    9/27/2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    thumb Jack Broome
    5/12/2017
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    thumb Diane Langille-stone
    9/18/2016
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    thumb Lorraine Roche
    8/07/2016

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Confused About Medicare Coverage? 

First things first. Medicare does not cover all your expenses. You will share in some of the costs. Medicare has many moving parts which can be very confusing. Each year Medicare provides a book with a whopping 152 pages of information.

This blog will not cover every bit of those 152 pages, but will help clarify some areas.

What You Need To Know About Medicare

Getting Medicare
If you or your spouse contributed to the Social Security system for enough years, you receive Part A at no cost. Part A is hospital insurance, so you’ll want to pay the Part B premium for medical insurance. This provides coverage for doctor visits, lab work, scans, therapy, dialysis, chemo and other outpatient services.

Important!
Original Medicare Part A & Part B is better than no coverage at all, but you pay for what Medicare doesn’t cover. This is generally 20% of Part B expenses. You will also have to pay Part B coinsurance and deductibles. A hospital stay can create financial stress. But it’s the Part B services that can create a financial burden. Many claims over $50,000 are due to outpatient services from Part B.

What does Medicare cover?
About 80% of your Medicare approved medical bills. You must pay the remainder (generally 20%). Dialysis, lab work, and chemotherapy can add up quickly and 20% of $50,000 is a big bill to pay.

What Medicare does NOT cover?
As a general rule, Medicare does not cover foreign travel health expenses. If you plan on traveling outside the country, you may want to add a Medigap plan that covers emergencies.

confused about medicare coverage

Medicare Part D is not mandatory.  However, you may be penalized for not buying a plan. Part D covers your outpatient prescription drug needs. Even if you don’t take any prescription medications, it’s wise to consider buying a plan. It’s no fun to be hit with the penalty when you do decide to get a plan.

Medigap (Medicare Supplement insurance) is a good option.  Especially if you want to visit your own doctor rather than be forced to use a network. The best Medigap plans cover the 20% and the excess charges not paid by Medicare. This offers peace of mind as you age and health issues arise.

Speaking of health issues. Waiting to purchase a Medigap plan can be costly if you can’t qualify. If you apply for Medicare Supplement (Medigap) insurance outside of your Initial Enrollment Period, you’ll have to medically qualify.  If you need assistance in determining what Medigap insurance plans are available to you, please complete the quote request.

Most people are pleased to know that quotes from reMedigap are not automatically generated.  We take the time to review your information and email you a personalized quote.  It’s our pleasure to communicate through email. However, you can always call us at 1-888-411-1329 if you prefer.

Additional Resources if you are still confused about Medicare coverage.

Medigap Plan F or Plan G

Comparing Medicare Plans

Helping Parents with Medicare

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