Medicare is known for making medical coverage more affordable for people needing assistance. However, Medicare is also known for having several gaps in coverage. For example, some plans may not provide extensive vision coverage. Supplemental insurance plans from companies like Kempton Insurance Group can help fill the gap.
Understanding Medicare
Medicare has several plans available, each covering different things. Plan A often covers hospital stays, some home health care, and nursing home care. Plan B covers office visits, medical supplies, and preventative care. Part C covers Parts A and B and may provide additional benefits. Part D only covers prescriptions.
Coverage Gaps
These standard plans do not cover several areas. For example, none of them include dental and vision. Plan A often covers the minimum and may have a coverage gap regarding long-term care. Individuals in Charlotte NC, who don’t get sick often may not want Part D, but they will have to pay out of pocket for prescriptions.
Medigap Plan
Private insurance companies provide Medigap plans to help provide coverage. They may cover deductibles for Medicare plans. Many also provide additional benefits like vision, dental, and prescription coverage. Various types of Medigap plans are available to ensure you get the coverage you need.
Supplemental Plans
Many insurance companies in Charlotte NC, also offer supplemental plans to supplement your coverage. For example, a provider may have plans that cover only vision or dental. People can choose which supplemental plan they want based on their personal needs. Many insurance companies also provide prescription coverage or prescription discount cards.
Contact Kempton Insurance Group
Learning about Medicare can be confusing, and ensuring coverage can be challenging. The agents at Kempton Insurance Group can help you receive proper coverage. Contact us today to learn more.
