Medicare is a federal insurance program for people age 65 and older and certain disabled people. It is run by the Health Care Financing Administration (HCFFA), which is part of the United States Department of Health and Human services. Medicare is the nation's largest health insurance program and covers 39 million Americans.
The Medicare insurance program consists of:
As valuable as Medicare is, it has its limitations. Not "ALL" medical charges are paid for by Medicare. It covers all or part of many medical expenses - both hospital and doctor fees - but you are still held responsible for deductible and coinsurance payments. Plus, if your doctor does not accept Medicare assignment, your medical costs could exceed Medicare's approved charges and you would be required to pay the difference out of your pocket.
There are many Medicare supplemental insurance plans created to supplement or bridge the gaps in Medicare coverage. They offer more freedom to choose the hospitals and doctor of your choice than with an HMO, however you pay a monthly premium.
These Medicare Supplement or
Medigap Insurance policies
Choosing the coverage and
the doctors that are right for you and your specific needs takes
education, review, and an understanding of what can seem like a complex
process. BEST PRODUCTS prides itself
on simplifying the complexity and putting you on a path to a more secure
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