Tips Choosing Medicare Supplement Plans In Kansas

Medicare Supplement Plans

There are many Medical Supplement Plans to choose from, but the biggest challenge is which is the best choice. You have to consider that no Medicare supplement plan fits all, meaning what is suitable for one person is not ideal for another. Hence, you study and research further before you choose which one to take.

• Wherever you are in Kansas, you must choose supplemental coverage suiting your budget and lifestyle.
• Before anything else, you must ensure you have both the Medical parts A and B.

What Is Medicare Part A?

This part of Medicare is the one helping to pay for home health care, hospice care, skilled nursing facility, and care in a hospital. For most people, Part A has zero to produce and a “Per Period” deductible of $1364.00.

What Is Medicare Part B?

On the other hand, this part helps pay outpatient hospital care, doctor bills, and all other services that are not covered and included in Part A. This part isis $135 monthly and has an annual deductible of $185.00.

Enrolling To Medicare

Basically, there are 2 scenarios for Medicare enrollment:

• Receiving Social Security: If the time you are getting Social Security Payments, your Medicare card will be accepted through the mail by about 90 days preceding your sixty-fifth birthday
• Not receiving Social Security: If you are not receiving such, you are required to enroll into Medicare through Social Security Dept by:

• Call their hotline at 1-800-772-1213

• Online at www.SocialSecurity.gov

• Or you can visit Social Security office within your locality

• Medicare Supplement Plans

• There are basically three popular Medicare supplement plans in Kansas: Plan F, G and N.

Plan F:

• This plan covers only some things. Although there are some downfalls to consider like:
• This is the most expensive plan available in the market
• This plan has the highest rate increases compared to all other supplement plans
• This plan will no longer be available to new enrollees by 2020

Plan G:

This plan has the most comprehensive coverage at the most affordable premium. It gives precisely what Plan F can provide, only that you must pay Part B (currently at $183.00 a year but may change as per Medicare discretion) for this plan.

Usually, this plan is between $300 to $400 less per year of Plan F premium. Once Part B is paid, you will receive precisely what those from Plan F will get.

Plan N:

This is the cheapest, but you might be at more risk and potentially have the highest out-of-pocket costs. Under this plan, you must co-pay $20.00 for your doctor’s visits and $50.00 for emergency room visits.

Some may think this is a wise option but wait until you know more about the plan. Other than co-pays, you are also to pay anything over the charges on Part B. If your doctor accepts Medicare but is unfortunately not assigned by Medicare, your doctor may legally charge you 15% more of the amount approved by Medicare. And that extra cost is going to be paid by you.

Knowing your options is necessary for your Medicare supplement plans in Kansas; ask for professional help to ensure you get what is the most suitable for you.