Medicare is one of the most comprehensive health programs that can exist anywhere in the world. In America, it has become a pioneering medical insurance which is able to support and protect all its users in a fast and effective way which has been evolving for the better with the passage of time.
This is why now we have not only the initial plans of Medicare as they were the Original plan and also Medicare Advantage but now there is Medigap that works as a complementary program of Medicare which has helped many people.
To begin to clarify everything, you must first know that it is possible to have a Medigap policy which covers Prescription drugs. When you go to buy your Medicare Supplement Plan this is one of the main options that you are given so that you are more protected both yourself and your pocket when you have to buy medicines.
But you should know that if your Medigap policy covers prescription drugs you are choosing to immediately not enroll in the Medicare prescription drug plan. So keep in mind that if Medigap plan covers the prescriptions but you already have a prescription drug plan from Medicare, you must inform the private institution that is granting you the complementary policy so that it will adjust the fees.
Going further and explaining in a simpler way, when Medicare already protects you to cover the cost of medicines, Medigap cannot do it due to policies established within the structure. That’s why if at the time you get your Medicare Supplement Plan you see that it has prescription coverage, let the advisor know so he can eliminate this benefit so that your premiums are adjusted. So you will not have to pay more in terms of the monthly installments that are established.
However, if someone owns the Medigap plan with drug coverage, they can only join the Medicare drug plan between the dates of October 15 and December 7. Out of those dates, it may be a little difficult.
Even so, if you do not want to have anything to do with this medication coverage of Medigap because everything is very tangled, you do not have to despair. There are plans that do not bring this coverage and save you a lot of money and of course do not force you to sacrifice any other benefit that you have previously acquired.
Similarly, Medigap does offer coverage for medications and has been quite useful for those who have known how to use it wisely. So you can get it during the established time periods and also add new benefits that have come out at the time.
Since you know all the benefits that Medicare Supplements Plans have for you along with the insurance coverage, you are already clear about what you want in your health insurance.