Changes in Medigap Plans May Reduce Monthly Bills for Seniors
Author: HealthPlanOne
Published: 2010/06/02
Topic: U.S. Medicare System - Publications List
Page Content: Synopsis Introduction Main
Synopsis: The changes are extensive as Supplemental Plan M and Plan N are now available Plans E H I and J are no longer available.
Introduction
With New Medicare Supplement Plans Available, Seniors Should Check Their Health Insurance Options...Main Item
As the Medicare Improvements for Patients and Providers Act (MIPPA) became reality, seniors should review their current coverage to make a more affordable choice.
The changes are extensive: Supplemental Plan M and Plan N are now available. Plans E, H, I and J are no longer available. The new law eliminates at-home recovery and preventive care benefits from all plans. A new hospice benefit is added to all plans and carriers will be required to offer Plans C and F.
Seniors may want to consider adding a Medigap plan to ensure they are covered by their health insurance plans.
Here are some frequently asked questions from seniors to our Medicare experts:
What are the differences in the new plans
Plan M and Plan N were designed to offer lower monthly premiums by introducing office co-payments and other cost-sharing options. For example, Plan N has a $20 office co-pay and a $50 emergency room co-pay, while Plan M covers 50% of the Part A deductible.
What should I do if I currently have Plan E, H, I or J
Nothing. Plans cannot be taken away from you without your knowledge. Medicare Part D now has prescription drug coverage, so these plans are no longer needed. Newly available options might be more affordable.
What is the difference between a Medicare Supplement and a Medicare Advantage Plan
A Medicare supplement plan allows you to go to any doctor or hospital that accepts Medicare. It works in addition to your main Medicare plan. A Medicare Advantage plan is run by a private insurance company and could limit available providers. It typically combines the Parts A, B and D into one plan.
Seniors looking to supplement their Medicare coverage may find a more affordable option by using the online quoting tool available for free on Medicare Solutions. Medicare experts are available Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern Time, to answer questions and to assist users. (800) 328-7305
Founded in 2005, HealthPlanOne offers the broadest portfolios of health plans available to individuals, families and Medicare recipients. For more information, visit HealthPlanOne for individuals and families; and Medicare Solutions for Medicare beneficiaries.
1 - State-by-State Differences in Medicaid Vision Coverage for Adults - National Institutes of Health (NIH) funded study finds lack of coverage, copays, restrictive policies barriers to vital eye care for adults.
2 - Autism Report Explores Autistic Individuals Lifespan Use of Medicaid - Researchers explore how autistic individuals use Medicaid and how their service use changes across the lifespan - from infants to older adults.
3 - To Pay for Healthcare 98M Americans Skipped Treatments, Cut Back on Food, Gas, Utilities - Higher healthcare prices drove 38% of Americans to delay or skip treatment, cut back on driving, utilities, and food, or borrow money to pay medical bills in the last six months.
Information and Page References
Disabled World (DW) is a comprehensive online resource that provides information and news related to disabilities, assistive technologies, and accessibility issues. Founded in 2004 our website covers a wide range of topics, including disability rights, healthcare, education, employment, and independent living, with the goal of supporting the disability community and their families.
Cite This Page (APA): HealthPlanOne. (2010, June 2). Changes in Medigap Plans May Reduce Monthly Bills for Seniors. Disabled World (DW). Retrieved January 13, 2025 from www.disabled-world.com/medical/healthcare/us-medicare/medigap-seniors.php
Permalink: <a href="https://www.disabled-world.com/medical/healthcare/us-medicare/medigap-seniors.php">Changes in Medigap Plans May Reduce Monthly Bills for Seniors</a>: The changes are extensive as Supplemental Plan M and Plan N are now available Plans E H I and J are no longer available.
While we strive to provide accurate and up-to-date information, it's important to note that our content is for general informational purposes only. We always recommend consulting qualified healthcare professionals for personalized medical advice. Any 3rd party offering or advertising does not constitute an endorsement.