The best time to check into your Medicare options is before you are eligible for Medicare. If you are nearing age 65, the choices you make now can help you in the future. However, choosing the correct Medicare insurance to meet your needs can be confusing and overwhelming. Fortunately, we are committed to helping you sort through all the options available.
Everyone 65 and older is entitled to the basic Medicare coverage, but typically, it only covers a portion of your annual health-care costs. This is why many choose additional coverage such as a Medicare Supplement or Medicare Advantage plan, and at LeRoy Insurance Services, we can assist you in your Wisconsin and Minnesota Medicare insurance coverage options.
Medicare Supplements Options in Hudson Wisconsin and surrounding Minnesota Communities
Both Medicare Part A and Part B were designed to help retirees with their health insurance. If you choose to add Medicare Part B, it is wise to add your additional coverage within the first 6 months. During this time, the Medigap program must accept you and any pre-existing conditions, known as "guaranteed issue rights." In most cases, as long as you continue paying the premiums, you cannot be cancelled. After the 6 months, if you decide you want a supplement policy, you can be turned down for pre-existing conditions such as diabetes, heart disease, or cancer.
Wisconsin and Minnesota Medicare Supplemental Health Insurance has a wide variety of plans. Plans are designed to help with the cost of deductibles, co-payments, and co-insurance. The different plans offer the flexibility of choosing your own doctors and hospitals that accept Medicare patients and specialists without referrals. You have the freedom to travel and take your coverage with you anywhere in the United States.
Rates for Medicare Supplements can vary greatly between different carriers and are usually based on age, location, gender, and health. You don't have to sort through this alone: LeRoy Insurance Services is committed to searching for the best rates and coverage which are affordable and meet all your needs.