medicare part b gap insurance ny state?

Question

I need a medicare part B gap insurance. I live in ny state.
Can anyone recommend a good and cheap gap insurance ?

Answer 1

Medicare questions can be confusing! Getting the best supplemental coverage and/or a a Medicare Part D plan, for example, depends on several factors, what kind of plan you are willing to accept, and whether the plan you want will pay for the specific medical concerns you have.

Unlike Medicare Part D plans that cover prescription drugs, supplemental plans and options are standardized, however interpreting these benefits can still be very confusing!

If you want to talk to "real people" who will listen carefully to your questions and who aren't "selling anything" I would highly recommend that you call your local Area Agency on Aging. Folks at the Area Agency on Aging can help you sort Medicare supplemental insurance options and choices. Area Agencies on Aging are one of the best kept secrets around for older Americans and their families who are seeking information on Medicare, Medicare supplemental policies and other kinds of consumer questions. There is one where you live, since this is a national network. The staff there will visit with you and guide you to information you need to answer your question. Since they talk with seniors every day--and answer lots of questions about Medicare--they will know the "scoop" on the supplemental policies and plans available where you live. They will be able to help you compare the pros and the cons of the plans you have identified as options and suggest other information to check out before you "sign on the dotted line."

You can call toll-free 1-800-677-1116 to find how to contact the Area Agency serving you. When you call your local Area Agency on Aging, ask for the staff who provide "Information and Assistance."

If you do contact your local Area Agency on Aging and like the help that they give you, let your local county officials and your folks in Congress know. Area Agencies on Aging don't have big budgets--their funding comes from the Older Americans Act--and funding for most parts of this Act has not increased significantly in about 25 years! Your voluntary financial contribution of any amount--which is absolutely not required to get the help you need to answer this question--would certainly be appreciated and would be used to help your older friends and neighbors.

Hope this helps! Best wishes and good luck

Answer 2

Some of the answers to your question are wrong or -- worse -- half right. One answer says "Med B pays 80% of your non-hospital medical bills (I know that is too simplistically put but there it is)." At least that answerer is correct in saying his or her answer is too simplistic. There are a lot of non-hospital medical bills (e.g., an annual physical, routine dental work, routine vision care, drugs) that Medicare in general and Medicare Part B specifically does not pay at all. You need to figure out which is which. One answer says "... you are still gambling that nothing will happen to you to be hospitalize and be aware that if you have the unfortunate luck you will be liable for 100% of your hospital bill." In general Part B has nothing to do with hospital charges for an admission. That's Part A, which is free for almost everyone. However Part B would pay for the doctor's fees associated with an admission and also pays hospital charges if not admitted (more likely these days), outpatient visits and -- as someone mentions -- the ER. One answer says: "I do suggest that you look in to what would happen with your health care when the Obama care kicks in." There are all kinds of financial implications for Medicare funding due to Obamacare but nothing should happen to your healthcare when Obama "kicks in" relative to Part B. In fact, the Medicare actuary is estimating that the Part B monthly premium will be less than it otherwise would have been because of Obamacare. (That's not to say the premium will go down; it just will not go up as fast as it otherwise would have.). One answer says " Part B... will only cost you $104.90 per month if your income is less than $85,000, more if you have a spouse." Part B doesn't cost you more or less if you are married. There is no family plan in Medicare. You pay $104.90; your spouse spends $104.90. If your spouse is not yet 65, he or she cannot get Medicare just because you get it. One answer says " If you have other health insurance maybe you could enroll in Part A only until you are no longer covered by other health insurance. I dont know if that is possible." Actually this is correct but you really need to look into how good the other insruance is

Answer 3

HELLO,

PART B COVERS WHAT PART A DOESN'T. THE LEFT OVER % CAN BE COVERED BY GAP INSURANCE, BUT THIS IS NOT CHEAP. SUPPLEMENTAL COVERAGE CAN BE GIVEN BY NUMEROUS AGENCIES. JUST DO A SEARCH AND ASK WHAT THEY COVER BECAUSE THEY MAY NOT OFFER ALL TYPES OF TREATMENTS OR THEY MAY LIMIT YOU TO THEIR PHYSICIANS AND OR SPECIALISTS.