Medicare Supplemental InsuranceLake Norman | Huntersville | Mooresville | Charlotte | Denver | Davidson
Medicare Supplemental Insurance for Huntersville is a policy provided by private insurance companies that fill the gaps in coverage that your basic Medicare Part A and Medicare Part B do not cover. Parts A and B, while covering close to 80% of your medical bills and expenses certainly do not cover them all. There are gaps in the coverage and that is why sometimes a Medicare Supplemental Insurance plan will be called a Medigap policy, because it is designed to cover the gaps that Medicare parts A and B do not. The gaps that a Medicare supplemental insurance policy will cover include deductibles, co pays, and a lot of other various expenses. All of these little expenses added up can add up to quite the financial headache if not covered properly.
One of the big perks of these policies is individuals can receive a policy without a medical exam. During what is called a “guaranteed issue period” there is no medical exam and an individual is basically guaranteed a policy which is also guaranteed renewable. This is a big draw for those with pre existing health issues, because once the coverage is in place the insurance company will not raise the premium and the individual is guaranteed the option to renew the policy.
Fogle Insurance Group in Huntersville NC also writes the prescription drug coverage – Medicare Part D or Medicare Rx. On traditional Medicare Supplement policies, there is no prescription drug coverage. You have to purchase a separate Medicare Part D policy. Our agents will be happy to discuss with you what prescription coverage plan will work best for you. We service the entire Lake Norman region including Charlotte and all Mecklenburg, Lincoln, and Iredell counties.
Medicare Advantage HMO offers you health coverage within an extensive network of doctors and specialists that you can see without referrals. You can also select a plan with $0 monthly premiums with or without Part D coverage. Medicare Advantage PPO gives you the freedom to see providers in or out of network. You can see specialists without a referral, and all medically necessary benefits are covered in and out of network. All PPO plans include Part D coverage.
Additional benefits that help limit your out-of-pocket costs
Both Medicare Advantage HMO and Medicare Advantage PPO plans offer coverage for:
- Inpatient/ outpatient services
- Skilled nursing facility care
- Home health care
- Worldwide emergency medical care
- Ambulance and urgent care
- Preventive care
- And more