Every year, your Medicare supplement insurance policy benefits coordinate with your Medicare benefits to help you meet your eligible health care expenses, depending on the plan you choose. What’s more, you can be sure your benefits won’t decrease.
5 Reasons to Choose a Medicare Supplement insurance plan in West Virginia
- Find out how other health plans work before joining. Some annually change their benefit structure, decreasing your benefits and increasing your out-of-pocket costs, so budget wisely. Other health care plans may have local networks that could prevent you from receiving care from the people you’ve grown to know and trust. Read each plan closely. Some let you see anyone if the provider accepts the plan’s payment terms. Others let you go outside the network, but you pay for services and usually pay more for them. Providers can leave and join networks.
- Contracts between the government and some health plans are reviewed annually. As a result, plans may change or not be renewed, forcing members to choose another health care option. On the other hand, not all providers in a health plan network take new patients or accept payment terms. Talk with your doctors about their relationship with a health plan before joining. With some other health care plans, there may be charges for care no matter where you go. Carefully check all the plan’s travel rules and restrictions.
- When you apply for Medicare supplement insurance plans in West Virginia coverage, you don’t answer any questions about your health, and your policy is guaranteed. One time is during your Medicare open enrollment period. Some other times are when:* You or your Medicare Advantage/Private Fee for Service plan move out of the service area. Your employer discontinues its group retiree health coverage. You leave a Medicare Advantage plan within a year of joining and return to Medicare *For more situations, see the Guide to Health Insurance for People with Medicare.
Coverage you can count on
For more than 50 years, Medicare has been a stable insurance program for millions of Americans. Consequently, Medicare supplement insurance plans have played a significant role alongside Medicare. People like this combination because Medicare supplement insurance is simple to understand, affordable, offers nationwide coverage, and allows policyholders to keep their health care providers (if they accept Medicare patients).