I am real fan of Medicare supplemental insurance plans commonly known as Medigap. Medicare supplemental insurance plans helps people who are on Medicare but aren’t getting the full help they need from the government and standard Medicare plans. I strongly feel that someone’s health is a right and everyone should have a right to full health insurance for free provided by the federal government. We should never turn our back on our fellow human beings when they are in pain just because they don’t have money, like America currently does with it’s in my opinion broken health care system. Those believes and feelings are the reason I support Medicare supplemental insurance.
The Medicare supplemental insurance program is a result of numerous private supplemental health insurance plans being sold to Medicare. As a result more people can get the free government health insurance I feel their entitled to. It also is a good program because it allows more money to go to people struggling to pay medical bills while on standard the Medicare program.
Let’s face it; America’s health care system has been in ruin for the past decade. If someone has serious medical problems and are not on a private expensive insurance plan they often end up in debt for the rest of their lives. The current Medicare and Medicaid programs try their best to help people, but just do too little for too few people and as a result is ineffective. President Obama has made various efforts to revamp this broken system through the National Healthcare Act commonly referred to as Obamacare, but his valiant efforts have largely been slowed down and nullified by the Republican party. But expanding coverage and giving more people their right to health insurance through Medicare supplemental insurance is a step in the right direction for a better future for America.
Usually between my husband and I, we spend $210.00 per month on expected prescriptions alone. Like many people on a fixed income, I dread seeing the physician. The thought of sitting there with my Medicare booklet, complete with the most recent list of medicines and tiers that I can barely read is enough to make me keep putting it off. I don’t know if my eye-sight is going, or the font is indeed getting smaller every year. It would be no surprise with the amount of new drugs that they felt the need to shrink it to save ink and paper. Of course I’d get my eyes checked and know the answer if Medicare would cover it.
With declining health, increasing age, and a desire to continue eating and living, where are most seniors going for help; Medicare supplemental insurance? It’s what they talk about in the commercials, isn’t it? I called Medicare to ask about it and within 15 minutes, (including 12 on hold) I got 5 insurance numbers! Florida medicare advantage is not through Medicare. The commercials are so fast that all I hear is “Medicare.” I called the first number and it’s $165.00 a month. That’s not bad if they cover our co-pays, and offer other benefits. Well, it’s per person! I listened to this pitch on the phone, and a gentleman told me it’s for each of us, but they pick up right where Medicare leaves off. He was talking about plans. A, B, C, D… He lost me there and I had enough of that. I nonchalantly told him to send me a booklet and maybe I’ll buy a plan and get some new glasses to read what I got. He said, “Well, Ma’am, we don’t cover vision.”
Medicare supplemental insurance has been a life saver for many medicare recipients across the nation. In the past, the medicare program was all that was needed to aid in the up keep of the health and well being of our elders. Today, with people living much longer, due to being better informed about health care and health choices, medicare in some instances is just not enough.
It is a wonderful thing for medicare recipients and their families if they get the chance to take advantage of a medicare supplemental insurance plan. This is a plan that will truly help your family with the cost of everything from the much needed routine check up, to the more elaborate sometimes needed testing, as well as coverage of prescription drugs, which can add up substantially, especially if you are dealing with a chronic illness.
The medicare system was designed to help people with their healthcare coverage, after retirement and well beyond. It is a wonderful program, but these days, with the threat of financial cuts to the program, medicare just does not have the resources to cover as many situations as it has in the past. This is when a medicare supplemental insurance plan would be a much needed extra helping hand, if you will, where taking care of your health, or the health of your loved one.
For example, one of the more costly things out there right now is prescription drugs. More often than not, the average medicare recipient is on some form of a reoccurring prescription for an on going illness or health issue. If there is not enough coverage with your medicare plan, you could be left with a major out of pocket expense each and every month.
There are people out there who are making the decision, ‘do I buy groceries, or do I get the medication I need’.
That should not even be a question in this country. And it does not have to be. There are many supplemental insurance plans offered out there, that fall in a range of any income. You do not have to be the richest person on the planet to afford one of these plans, there is a plan out there designed for your needs, to fit your budget. All it takes is a little searching of the internet, or getting information from your doctor or pharmacist, who may be able to recommend a plan that will fit your lifestyle.