Can I get a Medigap Plan F or has it Gone Away?
As of January 1, 2020 the highly prized Plan F will be a thing of the past. It's being phased out as a cost-saving measure by the government. However, if you get a Plan F in Maryland now you can keep it. There are many opinions about how eliminating Plan F will save money. The general consensus is that seniors will go to the doctor less often if they have to pay out-of-pocket.
in Maryland Medicare Supplements Do Not Cover Prescriptions
In years past supplemental plans were allowed to offer prescription coverage. Not anymore. Today, supplements must be in lock-step with Original Medicare. If Medicare doesn't cover it, then supplemental insurance can't cover the gap. That means the only way to get help with prescriptions is through a Maryland Medicare Part D plan.
Maryland has Standardized Medicare Supplements
Maryland insurance carriers are required to follow both state and federal laws regulating Medicare Supplements. Plans are standardized and must provide the exact coverage mandated. The only variance is the premium and how the premium is calculated.
All supplements sold in Maryland offer the basic benefits of Plan A. All other plans include additional levels of gap coverage. This lets you to select the amount right coverage for your personal needs.
Each carrier decides which plans it wants to issue. State law mandates that:
- Carriers are not required to offer every plan;
- Carriers must offer Plan A (basic benefits); and
- Carriers must also offer Plan C or Plan F.
To learn more, visit the Maryland Department of Insurance website at http://www.mdinsurance.state.md.us/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of Maryland dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in Maryland is the State Health Insurance Assistance Program (SHIP). They offer free, one-on-one counseling and assistance. You can contact them by telephone or by visiting their website:
- 1-800-243-3425 (in state only); (844) 627-5465 (out of state)
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