Can I get a Medigap Plan F or has it Gone Away?
The highly prized Medigap Plan F is about to be a thing of the past. The government is forcing it out as a way to cut costs. The good news is that you can keep it if you have it. Will it actually cut Medicare cost in New Jersey? It's anyone's guess, but the theory is that seniors will use their doctor less often if they have to pay out-of-pocket.
in New Jersey Medicare Supplements Do Not Cover Prescriptions
Supplements don't and can't cover your prescriptions. This is a change from years past. By law, supplemental insurance must cover what Original Medicare covers, and nothing more. The only exception is foreign travel coverage.
Here's the complete list of Medicare Prescription Drug Plans available in New Jersey.
New Jersey has Standardized Medicare Supplements
By law, all Medicare Supplements sold in the state of New Jersey are standardized. This means that every policy must be clearly identified as Medicare Supplement Insurance and it must offer the exact coverage allowed. This allows all plans to compete on price (premium).
All supplements sold in New Jersey 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 you can visit your state's Department of Insurance website at http://www.dobi.nj.gov/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of New Jersey dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in New Jersey 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:
- 1-800-792-8820 (in state only); 1-877-222-3737 (out of state)
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