Chris Hardin has over twenty-four years experience with Medicare supplement insurance and related products. He can also assist you with Life Insurance, Long Term Care Insurance, Annuities, and Estate Planning.
If you are looking for a knowledgeable and dependable insurance agent, Chris would like to speak with you. If you are interested in learning more about insurance plans please contact Chris, he'd be pleased to answer any of your questions.
Chris G. Hardin
C. G. Hardin Inc. dba Hardin Insurance
Visit our website: www.medigap4u.com
485 Huntington Rd., Ste. 203
PO Box 6211 Athens, GA 30604
Toll Free: 1-800-866-8950
Local Phone: 1-706-548-8905
Because original Medicare coverage has limitations, many people purchase supplemental insurance policies that are specifically designed to cover some of the gaps. These supplemental insurance policies, called "Medigap" policies, are sold by private health insurance companies, not the federal government.
Visit our website for more information: www.MedigapQuotes.org
Medicare Supplemental Plans
What is Medigap?
Because original Medicare coverage has limitations, many people purchase supplemental insurance policies that are specifically designed to cover some of the gaps. These supplemental insurance policies, called "Medigap" policies, are sold by private health insurance companies, not the federal government. In general, you will not need a Medigap policy if your Medicare coverage is through a managed care plan (Medicare Advantage) or if you are qualified for Medicaid because you have low income; your managed care plan or Medicaid will generally fill the gaps in Medicare coverage.
You must have Medicare Part A and B in order to buy a Medigap policy. A Medigap policy only covers one person. Spouses will need to buy separate Medigap policies. The monthly premium you pay to the insurance company for your Medigap policy is in addition to the monthly Part B premium you pay to Medicare.
Why choose a Medicare Advantage plan?
When you enroll in any Medicare Advantage plan, you will still get all original Medicare covered services, but you may also obtain extra benefits and services not offered by original Medicare, and/or you may be able to reduce your out-of-pocket costs. The extra benefits and services you receive and/or the amount of money you save will depend on which Medicare Advantage plan you choose.
Because out-of-pocket costs and the types of coverage offered will vary, it's important to compare plans before choosing one. Because private insurance companies offer Medicare Advantage plans, they can change the extra benefits provided by the plan and decide (on an annual basis) whether they will continue participating in Medicare. Health care providers can also join or leave the plan at any time.
What is Medicare Part D prescription drug coverage?
The Medicare program, which is a federal program that helps senior citizens and certain other individuals pay for health care, is divided into four parts. Part A covers hospital and inpatient services and Part B covers doctor visits and other outpatient services. Together, Parts A and B are referred to as original Medicare. Part C, also known as Medicare Advantage, makes Medicare-covered services available through private health plans, such as HMOs, PPOs, and private fee for service plans (PFFSs). Part D prescription drug coverage is offered by private companies through stand-alone plans (for members who have original Medicare) and through HMOs, PPOs, and PFFSs (for beneficiaries who have Medicare Advantage). Anyone who has original Medicare or Medicare Advantage is eligible to enroll in Part D. Enrollment in Part D is voluntary.
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