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Medicare suppliment health insurance?


I travel all over the country and am soon to be on medicare. Which is the best supplimental health insurance plan for me?

You're already on the right track by framing your question the way you did.

First, although you may travel all over the country, the place where the IRS mails your tax return is your legal domicile. Look for a company licensed to sell Medicare supplements in that specific zipcode area.

Second, since you DO travel all over the country, you should probably be looking at a standard Medicare supplement plan [one of the plans designated by a letter - Plan J, for example].
This type of plan pays any provider in the US. Otherwise, if you are fortunate enough to be a high net-worth individual, you might want to look into a "Private Pay" plan.

A "Medicare Advantage" [HMO or PPO type] plan is not for you because when you need medical attention, you may not be in the service area of the provider. There are other issues of limited flexibility, exclusions, and limitations on these plans as well. Steer clear of these unless and until you settle in one area and don't have plans to leave the service area.

Finally, by selecting a standard supplement, you know what you're getting because all standard supplements are EXACTLY THE SAME as far as coverage. What that means is that a Plan F is the same no matter what company you purchase it from.....But, don't let that send you right to the company with the lowest premium!! Check the financial soundness of the company, with rating companies such as Moodys, Standard and Poors, and others. Be sure they have sufficient reserves to pay claims and stay in business long-term.

Since the coverages, exclusions, and limitations are standardized by Medicare, all you need to compare is the relative soundness, reputation, and quality of customer service of the companies you're considering buying from.

There is a lot of useful and intresting information here to help answer your quetion.http://health-insurance.expert-tip.info/...

You should always look for a plan that has low deductibles and does not need referrals. Most plans are accepted in all states, but try to stay with a larger known insurance plan. This helps a person to know that most health care professionals will be credentialed with them, which in turn will in turn cost you less. Meaning no out-of -network costs, and this will get you more for your money.

I wish my answer could be laborsaving for your question.here is the source i provide for your reference.http://health-insurance.expert-tip.info/...

http://www.todaysmedicare.com

Medicare supplement plans have 12 levels of coverage. You must choose the plan depending on what is available in your zip code. Since all Medicare supplements are standardized and regulated by The Center For Medicare And Medicaid Services you simply find the level of benefits you need and then find the least expensive company. I provided the link above because you can obtain information and pricing for ALL companies in one place and do not have to worry about being SOLD but rather get help to find the correct plan

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