There are a number of ways to qualify for original Medicare. If you have recently or are on the verge of turning 65 you can get the coverage as long as you have enough work credits. Or, perhaps you are younger than age 65 but have been diagnosed with a chronic illness and are no longer able to work. Regardless of which set of criteria you fit into, you now have the ability to add a supplement to your Medicare policy to round things out. However, how can you tell if a supplement is right for you? Keep reading so you can gain a better understanding of whether or not you should purchase a Medicare supplement plan.
You See The Doctor Quite Often
While original Medicare is a wonderful plan to have, it may not be able to offer you all of the coverage you need. Part A takes care of some of the costs associated with hospitalization and Part B is more inclined toward routine activities such as visiting your primary care physician (PCP.) This may be sufficient if you don't go to the doctor very often. The problem comes in when you already see your physician relatively frequently and expect to continue doing so once you let your current coverage go. If you don't have provisions in place before that happens, you can generally expect to pay quite a bit of money out-of-pocket to keep up your visits.
Medicare supplement plans were created to fill in the gap between what is covered by original Medicare and the actual price of the medical services you receive. There are different kinds of supplements so it's very critical for you to speak with a licensed insurance agent before making your selection to ensure you are making the most appropriate choice.
Age-Related Medical Conditions Run In Your Family
While you may be enjoying good health at the moment, you never know what is coming down the pike. If you are already aware of the medical conditions that tend to occur once you reach a certain age based on your family history, you may want to prepare in advance by purchasing a supplement so you can receive the care you need when you require it.
Getting a supplement plan is all about financial protection. Call up a Medicare professional and share your concerns so they can recommend a Medicare supplement policy for you today.