You may have heard a lot about Medicare insurance but you may still be wondering “who needs a Medigap plan?” Medigap plans are not required, but they can be a good way to protect your wealth from high out-of-pocket costs.

Protect your savings against a possible health problem thanks to Medigap.

Here are some people who may “need” a Medigap plan:

  • People who have chronic health conditions that require a lot of care.
  • People on a fixed income who cannot afford unexpected bills
  • People who travel frequently and want to be covered for emergency care when they are away from home.
  • People who want more comprehensive coverage than Original Medicare provides.

People who have chronic health conditions may need Medigap

People with chronic health conditions often have high out-of-pocket costs with Original Medicare.  Medigap can help cover coinsurance and copayments for Medicare-covered services, which can add up if you have frequent medical needs. 

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People on a fixed income may need Medigap

If you are on a fixed income and want to avoid unexpected medical bills, then Medigap can be a good option. Medigap can provide more predictable out-of-pocket costs, which can help you budget for medical expenses and avoid unexpected bills.

People who travel frequently may need Medigap

You are considering traveling outside of the U.S.: Medigap policies may provide coverage for emergency medical care while traveling abroad, which can be valuable for individuals who plan to travel frequently or for extended periods. (Source)

People who want more comprehensive coverage than Original Medicare provides.

Medigap can be a good option for people who want more comprehensive coverage than Original Medicare provides. With a Medigap plan, you can rest easy knowing that many of the expenses not covered by Medicare will be paid for by your Medigap plan.

Overall, if you want more comprehensive coverage and can afford the additional monthly premium, a Medigap plan can be a good option for you. It’s important to carefully review the different Medigap plans available in your area and choose the one that best fits your individual needs and budget. The team at Senior65.com can help you.

Next Steps

If you don’t fit the categories above, you can still purchase a Medigap to avoid high out-of-pocket costs.  Just make sure you can afford Medigap’s Monthly fee (called the premium). See instant Medigap pricing here. Give us a call at 800-930-7956 to see if Medigap is right for you. There is never a hidden fee or cost to work with Senior65.com