Medicare Part C (Medigap)
You might not be adequately covered if you have chosen only Part A and B of Medicare coverage. An additional coverage known as Medicare Part C is also available as is Medigap, which is provided by private insurance companies but with subsidies provided by the Government.
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You will however, need to be covered with Part A and Part B of Medicare insurance before you think about purchasing an additional supplement such as Part C or Medigap. While Part A and B can take care of only basic medical expenses and might end up snatching money from your wallet in case of specific or prolonged illnesses, Part C will help cover some of the gaps that could drain you financially. There are several benefits that should convince you to add Part C or Medigap to your original coverage.
Depending on whether you have chosen a comprehensive insurance policy or have excluded most of the benefits, you would be able to add these services to your existing Part A and B benefits. You will be allowed to go to doctors on the HMO or Health Maintenance Organization network, or the PPO or Preferred Provider Organization network, or any specialist doctor that you desire under the PFFS or Private Fee For Service scheme, provided the specialist agrees to the terms of your policy. Depending on the policy chosen, you might or might not have to take permission from the insurance company before visiting any doctor or specialist, and a list of approved doctors and hospitals will be provided to you when you purchase this additional coverage.
Certain Part C plans also cover dental insurance, insurance for your vision and prescription drugs. In addition, if you have a chronic disease that requires special care then Medicare Part C will also take care of the expenses. Again, if you require prolonged medical care and need to travel outside your country then Part C will also cover you for emergency services in another country. A reliable insurance provider should be easily able to explain to you the benefits and terms for utilizing Part C coverage and you can then make an informed choice.
Alternately, you could also go in for Medigap coverage, which will also require you to have Part A and B coverage of Medicare before you can purchase this supplemental policy. Medigap is quite standardized and does not offer too much flexibility like Part C. Medigap also offers coverage for drugs, dental and vision care along with several other options that will be offered to you in various plans ranging from Medigap Part A to F. You can go through the various plans before you make up your mind. Your insurance provider should be able to guide you on choosing between Medicare Part C and Medigap depending on your current physical condition, age, the coverage that you desire, and the premium that you are willing or able to pay.
Instead of simply being covered under Part A and B of Medicare, you should also explore other additional covers in the form of Part C or Medigap that could help extend your coverage. This will help you to fend off high bills involved in medical treatments, especially if you suffer from chronic diseases. Call up an experienced insurance company and get the facts before making a decision.