Checkpoint Summarizing the Medigap Program

Checkpoint Summarizing the Medigap Program - The problem...

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Checkpoint: Summarizing the Medigap Program Adrienne Martin HCR/230 Beatrice Johnson
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Since Medicare parts A and B do not always cover all of a patient’s needs, a medigap policy can help to extend coverage for those extra needs. A medigap policy can help the patient to pay for co-payments, deductibles, and some other services such as prescription medications and medical coverage while traveling out of the state or even the country. In my opinion a Medigap program can be very beneficial to those who cannot afford to pay for the things that Medicare does not cover. For example; depending on which plan the patient chooses, the hospital stay for that patient could be considerably lower than if they did not have the extra coverage from a Medigap program. Also, if the patient does not need to visit their doctor on a regular basis then they should not have to pay extra money for services that they would not be using.
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Unformatted text preview: The problem with having private insurance or a government funded insurance policy is that not all services may be covered and especially with government funded plans they will only pay for the things that they consider to be absolutely medically necessary. They also do not always pay for any medications except for generic versions which are not always the same as non-generic versions of a medication and might not be as beneficial to the patient. Another problem with government funded insurance policies such as Medi-cal, it can be very difficult for a patient to get a referral to see a spet for things such as mental health, physical therapy and vision or dental. In most cases Medi-cal will only pay for the initial vision or dental exam but will not cover the cost of glasses or braces. References; Choosing a Medigap Program, www.medicare.gov...
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Checkpoint Summarizing the Medigap Program - The problem...

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