05.31.08
Posted in Medicare, Medigap at 4:45 am by Administrator
Medigap policies – or Medicare Supplemental Insurance – are private insurance policies that fill the “gaps” in Original Medicare Plan benefits. Medigap helps you lower your out-of-pocket costs for such services as hospital and skilled nursing facility stays, as well as Medicare co-payments and deductibles.
Almost 90% of Medicare beneficiaries in the traditional fee-for-service program have supplemental coverage. About 68% of beneficiaries have private coverage and 18% have Medicaid. Of those with private coverage, about one-half have individually purchased Medigap policies, and the other half receives these benefits as part of their employer retiree plans.
Standard Plans
With the passage of the Medicare Modernization Act of 2003 (MMA), there are now twelve standard Medigap plans labeled A through K. Plan A consists of the core benefits alone; plans B through J contain additional benefits such as coverage of at-home help and physician charges in excess of Medicare’s approved amounts; and plans K and L (newly created under MMA) provide fewer benefits at lower premiums than Medigap plans A through J. There are also high deductible options for plans F and J.
Insurers may offer some or all of these Medigap plans; but they are not allowed to vary the benefit configurations within each plan. There are three states – Massachusetts, Minnesota and Wisconsin – where this requirement has been waived.
Guaranteed Access
Federal law requires that seniors are given a 6-month open enrollment period to purchase any Medigap policy when they first enroll in Medicare Part B. During this period, Medigap insurers may not deny coverage to applicants or adjust premiums based on health status. Under Medicare Modernization Act of 2003 (MMA), insurers are also required to guarantee that they will issue policies to 1st-time Medicare Advantage enrollees who disenroll within 12 months and to those beneficiaries who lose coverage (under specified circumstances).
Consumer Protections
Medigap insurers must meet federal and state requirements. States are responsible for assuring that Medigap policies comply with these rules, and the U.S. Department of Health and Human Services has the authority to review state enforcement policies. Federal and state Medigap laws apply only to individually sold Medigap policies; employer-sponsored policies are not subject to these rules.
In addition to the standard benefit packages and 6-month open enrollment period that Medigap insurers are required to offer, insurers must comply with the following federal rules:
Marketing – No Duplication
Insurers cannot sell a Medigap policy to someone who already owns one.
Guaranteed Renewable
Your Medigap coverage must continue year after year as long as you pay your premium. However, in some states, insurance companies may refuse to renew a Medigap policy bought before 1990.
Preexisting Conditions
Waiting periods are limited to 6-months; however if a continuously insured Medigap subscriber switches policies, new waiting periods may not be imposed (beneficiaries cannot be dropped).
Premiums
Medigap premiums vary by insurer, area of the country and benefit package selected. Medigap premiums may increase each year for several reasons, including the steady rise in Medicare and healthcare expenses. Most Medigap packages cover Medicare Part A deductibles, and all packages cover the 20% Medicare Part B coinsurance amounts.
For assistance with the purchase of Medigap Insurance or questions regarding Medicare coverage, contact Golden Age Providers, LLC at:
1-800-495-1915 or www.lowcostmedigap.com
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05.30.08
Posted in Medicare, Medigap at 7:57 pm by Administrator
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Posted in Medicare, Medigap at 6:36 am by Administrator
How do I Find the Best Price for My Medicare Supplement Insurance Coverage?
We make it easy for you at LowCostMedigap.com. All you have to do is request a multi-company Medicare supplement insurance rate analysis from our website, www.lowcostmedigap.com
Which Medicare Supplement Insurance Policy is the Best?
From our experience we have found plan F and plan J to be the most popular. However, many people have found plan D, G, E, H and I very economical. It always depends on your particular situation and risk tolerance. If you are having trouble deciding, one of our licensed Medicare supplement insurance specialists will be happy to assist you in finding the best plan for you.
What Should I Consider When Choosing a Medicare Supplement Insurance Company?
Though all companies offer similar standardized plans there can still be some differences. You want to make sure that you are purchasing from a licensed insurance company in your state with an approved Medicare supplement insurance policy. Other things you may want to consider is if the company puts a waiting period on pre-existing conditions and if that applies to you. Financial strength is also important. Do not be too concerned if you haven’t heard of the company before, there are many insurance companies out there that are very dependable that don’t spend tons of money on advertising to make their name known.
How Can LowCostMedigap.com Help Me in Choosing and Applying for Medigap Coverage?
We hope, first of all that you find the information on this site to be helpful. We feel that we have put together the most comprehensive website on Medicare supplement insurance information in the country. Furthermore, we have taken painstaking measures to present it in a way that is easy to understand and will help you to make the right money saving decisions about your Medicare supplement insurance coverage and be able to get back to your life. However, we know that all this information can be overwhelming when you don’t do this for a living like we do. We will be happy to help you in any way we can. You can call our toll free number and talk to a licensed Medigap specialist and we will help to educate you in deciding what the very best policy is for you and your family and we can even help you to enroll. You’ll find our specialists to be the most knowledgable in the industry because all we have been doing for such a long time is helping seniors save money on their Medicare supplement insurance while ensuring comprehensive coverage.
How do I Change My Medigap Plan in Order to Save Money?
If you already have a Medicare supplement insurance policy you most likely will be able to change to another policy if you find a lower premium. In most cases, you will be able to change without any waiting periods or loss of one day of coverage. However, this must be handled properly with the assistance of a licensed agent. If you would like to see if you are eligible to save money on your Medigap premiums, simply fill out our simple rate analysis inquiry or call us toll free at (800) 495-1915 and we will be able to determine if changing is right for you. If it is, we can guide you through every step of the process to make sure you save the most amount of possible without any gaps in your Medicare supplement insurance coverage.
If I Change My Medigap Coverage will I Have a Waiting Period for Pre-Existing Conditions?
In most cases you will not. Medicare supplement insurance providers have the option to put up to a 6 month waiting period on pre-existing conditions. If you are subject to this waiting period then previous conditions that you had before applying for coverage may not be covered. However, any new conditions that arise will be covered immediately.
Some companies exercise this option and some don’t. However, if you have been covered by a previous Medigap policy or other creditable coverage for the length of the companies waiting period, that waiting period will be deemed as satisfied and you will have coverage from day one. Furthermore, no Medicare supplement insurance company is allowed to have any exclusions to their coverage for past medical conditions beyond the pre-existing conditions waiting period. That means that if a company issues you a policy, they cannot exclude certain medical conditions that you have. If they issue you a policy and you are not subject to a waiting period on pre-existing conditions, they will have to cover all conditions old and new.
When Should I Make My Medigap Policy Effective?
If you are just now becoming eligible for Medicare you should make the effective date as soon as possible but no earlier than the effective date of Medicare Parts A and B. If you are replacing coverage, you should apply in time with a future effective date long enough out to recieve and review your policy before the effective date of coverage. This will give you time to make sure your transaction was handled properly and that the right policy was issued before cancelling your existing coverage.
What is the Fastest Way I Can Get Covered and Start Saving Money?
The fastest way is to call and speak with one of our licensed Medicare supplement insurance specialists at (800) 495-1915. They will be able to evaluate your situation, determine the best plan of action for you and help you get started.
You may also request an online Medicare Supplement Insurance quote at: www.lowcostmedigap.com
Medicare Supplement Insurance Research Blog
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Posted in Medicare, Medigap at 6:24 am by Administrator
Your Rights as a Medicare Supplement Consumer
Open Enrollment
Seniors: Medigap companies must sell you a policy – even if you have health problems – if you are at least 65 and apply within six months after enrolling in Medicare Part B. These six months are called your “open enrollment” period. During open enrollment, a company must allow you to buy any of the Medigap plans it offers. You can use your open enrollment rights more than once during this six-month period. For instance, you may change your mind about a policy you bought, cancel it, and still have the right to buy any other Medigap policy, so long as the sale takes place during the six months after you enroll in Medicare Part B.
Although a company must sell you a policy during your open enrollment period, it may require a waiting period of up to six months before covering your pre-existing conditions. Pre-existing conditions are conditions for which you received treatment or medical advice from a physician within the previous six months.
Your right to open enrollment is absolute, even if you wait for several years after you become 65 to enroll in Medicare Part B because of continued employment or other reasons.
People under age 65 who receive Medicare because of disabilities may have a six-month open enrollment period beginning the day they enroll in Medicare Part B. (Rules differ by state) This open enrollment right is only applicable to the Medigap Plans made available in your state.. Companies selling Medicare supplement insurance in your state may not deny you a policy because you have pre-existing conditions. Companies are not required to offer all plans to people with disabilities, but they may do so if they wish. During the first six months after you turn 65 and are enrolled in Medicare Part B, you will have a right to buy any of the 12 plans.
Guaranteed Issue
You may have the right to buy a Medigap policy outside of your open enrollment period if you lose certain types of health coverage. For people over age 65, the guaranteed issue right applies to Medigap plans A, B, C, F, K, and L. For people under age 65, this guaranteed issue right applies only to Medigap Plans which are required by your state. In general, this right is for 63 days from the date coverage ends or from the date of notice that coverage will end. Companies may not place any restrictions, such as pre-existing condition waiting periods or exclusions, on these policies. This is called “guaranteed issue.” You must provide proof of the loss of your health care coverage. People under age 65 with disabilities who enroll in Medicare Part B may also have guaranteed issue rights, but they are only eligible for the Medigap coverage required by their state. This guaranteed issue right is also extended to people on Medicare who lose Medicaid because of a change in their financial situation. For more information, read the Guide to Health Insurance for People with Medicare.
30-Day “Free Look”
You can return your Medigap policy within 30 days after receiving it and get your money back-with no questions asked. Be sure to keep a record of the date you received the policy. Read the policy as soon as you get it. If you return the policy to the company, use certified mail with a return receipt as proof that it was returned within the 30-day time limit.
Renewability
All Medigap policies are guaranteed renewable. A company cannot cancel your policy or refuse to renew it unless you made intentional material false statements on your application or failed to pay your premium. However, the amount of the premium is not guaranteed. An insurance company may raise your premium as often as once a year on a class basis. In addition, if you have an “attained-age policy,” a company may raise your premium on your birthday.
Medicare Supplement Claims
Your doctor and other health care providers must submit Medicare claims to the appropriate carrier or fiscal intermediary for you. In most cases, the carrier or intermediary will send your Medigap claim directly to your insurance company.
Medigap policies won´t pay for services that Medicare does not deem medically necessary.
Therefore, if the carrier or intermediary denies your claim as medically unnecessary, your Medigap company won´t pay it. You have the right to appeal the decision to deny a claim. The appeal process and timeframes to request an appeal are described in your Medicare Summary Notice.
State law requires insurance companies to pay claims promptly. If your Medigap company refuses to pay a claim for a Medicare-approved charge or delays payment of your claims, you may file a complaint with TDI.
Group Medicare Supplement Insurance
Your rights with a group Medigap policy are essentially the same as with an individual policy. Because the group might make decisions that are out of your control, you have the following additional protections:
If the group changes insurance companies, the new company must offer coverage to everyone previously covered. The new Medigap policy must cover pre-existing conditions that were covered by the old policy.
If you leave the group, the insurance company must offer to provide unbroken Medigap coverage with an individual policy or continuation of your group insurance.
If the group cancels its coverage, the insurance company must offer you either an individual policy continuing the benefits you had before or a different policy meeting Texas requirements.
Request a Personalized Rate Analysis at: www.lowcostmedigap.com
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Posted in Medicare, Medigap at 6:11 am by Administrator
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Posted in Medicare, Medigap at 1:32 am by Administrator
The History
Eugene and Regina Wisekopff are two average retirees age’s sixty-four and sixty-eight respectively. Eugene turned sixty-five three years prior and had to make the difficult decision to continue to pay for his group health insurance due to the high cost of insuring his wife Regina prior to her turning sixty-five and becoming eligible for Medicare Part A and Medcare Part B. Although Eugene maintained his group health insurance after turning sixty-five, Eugene took the advise of his local Social Security office and enrolled in both Medicare Part A and Medicare Part B which shared in the payment of his claims with his current group health insurance plan. Eugene and Regina both found Medicare Coverage confusing.
How We Met
While doing research on the Internet, Eugene approached our agency, Golden Age Providers, LLC on our website at www.lowcostmedigap.com and requested that we provide he and his wife with assistance in locating a Medicare Supplement Insurance plan which would meet their individual needs. Eugene’s desire was to obtain as many Medigap Quotes as possibe. The Wisekopffs wanted a Medicare plan to work hand-in-hand with their Medicare Coverage.
Differing Needs
Eugene and Regina were under the impression that their needs were similar and therefore the ideal solution was identical for the two of them. Eugene and Regina, not unlike most retirees, were unaware that the solution is never “one-size fit’s-all” when shopping for Medicare Supplement Insurance. Eugene’s “Open Enrollment” period for Medicare Supplement eligibilty had long since past and Regina was approaching her one and only “Open Enrollment” period. Two vastly different situations. Eugene and Regina were both unaware that the “Open Enrollment” period lasted for only six months from the date of their Medicare Part B effective date. Regina was a very healthy individual, but Eugene had developed many serious physical impairments over the last few years. Eugene was very concerned that he learned that his “Open Enrollment” period had ended. Eugene was unaware that he qualified under the “Guarantee Issue” provisions of his state. Medicare Coverage is complex and that is why one needs to utilize the services of a Medicare Supplement insurance expert.
An Uphill Battle
Prior to locating Golden Age Providers, Eugene and Regina had placed a telephone call to their local car insurance agent. The local agent who was not well versed in the complexities of Medicare and Medicare Supplement Insurance told Eugene and Regina that he would need at least two weeks to research their best available options. The local agent didn’t really know how to provide Medigap Quotes. This was a concern to both Eugene and Regina as her sixty-fifth birthday was only three weeks away. Two weeks passed and neither Eugene or Regina had heard back from their local car insurance agent. Regina placed a call to the local agent who informed them that with their elderly age and Eugene’s poor health, that there was nothing anyone could do for them. Eugene and Regina were not only offended by the statement that their local car insurange agent had made when refering to them as elderly, but they were also seriouslly concerned by the statement that there wasn’t anything anyone could do to help them.
In the Right Hands, An easy Solution
One can only imagine the peace of mind felt by both Eugene and Regina when they were informed by their agent at Golden Age Providers that this would be a “piece of cake” for the staff of Golden Age Providers, LLC. They were informed by their agent that although Eugene had many medical impairments a federal law entitled him to purchase any Medicare Supplement policy A,C or F being offered by any Medicare Supplement insurance company in his state to go along with his Medicare coverage. Eugene and Regina’s agent at Golden Age Providers also informed them that since Regina was approaching her sixty-fifth birthday in only three short weeks, that Regina was also approaching her “Open Enrollment” period and was entitled to purchase any Medicare Supplement plan being offered by any Medicare Supplement insurance company in her state. The sigh of relief could be heard by their agent at Golden Age Providers, LLC while informing them of these easy solutions by telephone. Eugene and Regina were also comforted by the fact that Golden Age Providers, LLC specializes in the area’s of Medicare, Medicare Advantage, Medicare Part D and Medicare Supplement Insurance. Their agent also informed them that Golden Age Providers, LLC represented nearly forty Medicare Supplement insurance companies and therefore, played no favorites. Golden Age Providers, LLC works for the client, not the company. Golden Age Providers, LLC represents such well respected companies as AARP Medicare Supplement insurance, Blue Cross Blue Shield Medicare Supplement insurance, Mutual of Omaha Medicare Supplement insurance and many, many more.
A Happy Outcome
After reviewing Medicare Supplement plans being offered by AARP, American Republic, Blue Cross Blue Shield, Equitable Life and Casualty, and many more, Eugene and Regina chose to purchase Plan “F” Medicare Supplement Insurance plans from Mutual of Omaha Insurance Company. Mutual of Omaha had been offering the Mutual of Omaha Medicare Supplement since 1966 and offering insurance to Americans since the 1800’s. The longevity of Mutual of Omaha Insurance Company played heavily into their decision to purchase the Mutual of Omaha Medicare Supplement.
Since providing these solutions to Eugene and Regina, many of their friends have contacted Golden Age Providers, LLC to choose the Mutual of Omaha Medicare Supplement insurance after reviewing their Medigap quotes.
For assistance with the purchase of Medigap Insurance or questions regarding Medicare coverage, contact Golden Age Providers, LLC at: 1-800-495-1915 or at: www.lowcostmedigap.com
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Posted in Medicare, Medigap at 12:00 am by Administrator
Insurance companies must sell you a Medigap (Medicare Supplement) plan during certain periods of time — one period is called “open enrollment period.” The others are called “guaranteed issue periods.”
At other times, insurance companies may refuse to sell you a policy. If you have or used to have health problems, you may not be able to buy the Medigap plan of your choice. Most companies will have a few simple health questions that your Golden Age Providers, LLC Medicare Supplement Specialist can ask you to determine your eligibility.
Eligibility: Open Enrollment & Guaranteed Issue Periods
Open Enrollment
Seniors: Medigap companies must sell you a policy – even if you have health problems – if you are at least 65 and apply within six months after enrolling in Medicare Part B. These six months are called your “open enrollment” period. During open enrollment, a company must allow you to buy any of the Medigap plans it offers. You can use your open enrollment rights more than once during this six-month period. For instance, you may change your mind about a policy you bought, cancel it, and still have the right to buy any other Medigap policy, so long as the sale takes place during the six months after you enroll in Medicare Part B.
Although a company must sell you a policy during your open enrollment period, it may require a waiting period of up to six months before covering your pre-existing conditions. Pre-existing conditions are conditions for which you received treatment or medical advice from a physician within the previous six months.
Your right to open enrollment is absolute, even if you wait for several years after you become 65 to enroll in Medicare Part B because of continued employment or other reasons.
People with disabilities: People under age 65 who receive Medicare because of disabilities have a six-month open enrollment period beginning the day they enroll in Medicare Part B. This open enrollment right is only applicable to Medigap Plan *A. Certain states may allow you to apply for other plans. Companies selling Medicare supplement insurance in Texas may not deny you a Plan A policy because you have pre-existing conditions. Companies are not required to offer the other plans to Texans with disabilities, but they may do so if they wish. During the first six months after you turn 65 and are enrolled in Medicare Part B, you will have a right to buy any of the 12 plans. (This applies to Texas only, other states differ)
Guaranteed Issue
You may have the right to buy a Medigap policy outside of your open enrollment period if you lose certain types of health coverage. For people over age 65, the guaranteed issue right applies to Medigap plans A, B, C, F, K, and L. For people under age 65, this guaranteed issue right applies only to Medigap Plan A, C or F. In general, this right is for 63 days from the date coverage ends or from the date of notice that coverage will end. Companies may not place any restrictions, such as pre-existing condition waiting periods or exclusions, on these policies. This is called “guaranteed issue.” You must provide proof of the loss of your health care coverage. Texans under age 65 with disabilities who enroll in Medicare Part B also have guaranteed issue rights, but they are only eligible for Medigap coverage under Plan *A. This guaranteed issue right is also extended to people on Medicare who lose Medicaid because of a change in their financial situation. (Texas only, other states rules may differ)
Guaranteed Issue and Medicare Advantage Plan Disenrollment
What often goes unnoticed about Medicare Advantage Plans is that they reserve the right to terminate their contract with Medicare from year to year in any service area that they wish. When this happens, you will no longer be able to continue with your plan and will be placed back on Original Medicare at the beginning of the following year.
If your Medicare Advantage plan terminates its contract in your service area, you have the right to purchase any Medigap plan A, B, C, F, K, or L offered in your state without regard to your medical history or condition. If your Medicare Advantage plan ends services in your area, it must explain to you in writing your options and timeframes to buy a Medigap policy.
Reqest a Free Multi-Company Rate and Eligibility Analysis at: www.LowCostMedigap.com
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05.29.08
Posted in Medicare, Medigap at 11:49 pm by Administrator
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Posted in Medicare, Medigap at 11:03 pm by Administrator
1. Definition of Medigap Insurance: Medigap Insurance is a private health insurance policy commonly referred to as “Medicare Supplement Insurance.” It is designed to pay for the 8 gaps in physician and hospital coverage left by Medicare Parts A and B.
2. What Medicare Supplement Policies Cover: Medigap Policies cover medical procedures approved by Medicare at a Medicare Provider. Procedures not approved by Medicare are normally not covered by Medicare Supplement Insurance. Some policies offer limited benefits for expenses not covered by Medicare such as at home recovery.
3. Eligibility for Medicare Supplement Insurance: Anyone who is covered under both Medicare parts A and B are eligible for Medigap Coverage. Insurance Companies reserve the right to set further qualification criteria beyond Medicare Eligibility at their own discretion but can not exclude any person who is in an Open Enrollment or Guaranteed Issue situation.
4. Available Medicare Supplement Plans: Most states only allow standardized Medicare Plans A-L. Any company offering coverage is required to offer the base plan (Plan A) and any other combination of plans B-L at their discretion.
5. Plan Differences Between Companies: The coverage between companies for doctor and hospital visits is exactly the same for the same standardized policy. For instance, a Plan F with one insurance company will pay exactly the same as a plan F with any other company. Companies may choose which standardized Medicare Supplement Policies they wish to offer but all must at least offer Plan A.
6. Pre-Existing Conditions: Medicare Supplement Insurance Companies may put a pre-existing conditions clause that limits their liability on previous medical problems for up to 6 months after the issue date of the policy. Some companies will not exercise this option. All companies must waive this limitation for the time that you were covered under previous creditable coverage such as a private or employer sponsored health plan or another Medigap policy.
7. Pricing Differences: Medicare Supplement Insurance prices vary from company to company, from plan to plan and from area to area. There is no standardization of pricing for Medigap Insurance. Therefore, you could pay substantially more for the exact same coverage if you do not shop around for the best rate for your particular situation.
8. Choice of Doctors and Hospitals: Medicare Supplement Insurance does not limit you on the doctors or hospitals that you may choose. There are no networks. You simply choose any provider that accepts Medicare and your Medicare Supplement will pay that provider as stated in your policy.
9. Claims: Medicare Supplement Insurance has a very easy and mostly automated claims process. For Medicare Part B claims each Medicare Supplement Insurance company is linked directly to Medicare. Medicare will send the insurance company a copy of the claim and how they paid (known as a Medicare Explanation of Benefits or MEOB) to your Medicare Supplement provider each time they pay a claim. This is the claim that the insurance companies use to determine how to pay your claim. Because the claims come directly from Medicare, there is rarely a need for you or your doctor to file a claim for outpatient services.
10. Bottom Line: Medicare Supplement Insurance is very important and can provide you the peace of mind of knowing that you will not be burdened by the gaps in health coverage left by Medicare Parts A and B. However, it is important to compare plans and rates to make sure that you find the policy that is best for you. As Medicare Supplement Coverage is standardized in most states and the coverage is the same from company to company, it is very important to shop around to find the best available price.
Request a Personalized Price Analysis at: www.LowCostMedigap.com
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Posted in Medicare, Medigap at 9:46 pm by Administrator
Medicare will cover a one-time preventive physical exam within the first six months that you have Part B. The exam will include a thorough review of your health, education and counseling about the preventive services you need, like certain screenings and shots, and referrals for other care. The “Welcome to Medicare” physical exam is a great way to get up-to-date on important screenings and shots, and to talk with your doctor about your family history and how to stay healthy.
During the exam, your doctor will record your medical history and check your blood pressure, weight and height. Your doctor will also give you or order an Electrocardiogram (EKG) and a vision test. Your doctor will check to make sure that you are up-to-date with your shots. Depending on your general health and medical history, further tests may be ordered, if necessary. Your doctor will also give you advice to help you prevent disease, improve your health and stay well. You will also get a written plan (such as a checklist) when you leave letting you know which screenings and other preventive services you should get.
Remember
Once you enroll in Part B, it’s important to schedule your “Welcome to Medicare” Physical Exam / Initial Preventive Physical Examination (IPPE) right away. Medicare will only cover this physical exam if it occurs within the first six months that you have Part B. If your doctor thinks this six-month period has passed, he or she should give you a notice that says Medicare probably won’t pay for this service. If you still want to get the service, you will be asked to sign an agreement that you will pay for the service yourself if Medicare doesn’t pay for it. This is called an Advance Beneficiary Notice.
The IPPE is a preventive physical exam covered by Medicare. It may also be referred to as the “Welcome to Medicare Exam.” This exam consists of different parts that help the health care provider to identify risk factors that may be linked with various diseases and to detect diseases at earlier stages. There is usually a better outcome when diseases are detected early. The IPPE consists of an examination, an electrocardiogram (EKG), education, counseling, and referral to other screening and preventive services covered by Medicare. Clinical laboratory tests are not part of the IPPE.
Eligibility
Must have Medicare Part B
One time benefit/exam
The exam must be taken within the first months of Medicare Part B coverage.
The amount you need to pay – You pay 20% of the Medicare-approved amount for the one-time preventive physical exam.
Deductible and co-insurance apply.
For more information, you may call 1-800-MEDICARE (1-800-633-4227).
The part of Medicare that pays for this service or supply Part B Benefit
Medicare Contact for additional information at 1-800-MEDICARE
Important notes Actual amounts you must pay may be higher if a doctor, health care provider, or supplier does not accept assignment.
You must pay an annual $131 (in 2007) deductible for Part B services and supplies before Medicare begins to pay its share.
For assistance with the purchase of Medigap Insurance contact Golden Age Providers, LLC at: 1-800-495-1915 or www.LowCostMedigap.com
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