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With all the different parts of Medicare, it can be confusing to differentiate the coverage offered by each plan.
At John Kyle Insurance, you will gain a better understanding of your Medicare needs after learning more about Original Medicare, Medicare Advantage Plans, Prescription Drug Coverage, and Medicare Supplements.
Medicare Advantage Plans, or Medicare Part C, can be used to substitute Medicare Part A and B, as well as offer prescription drug coverage.
Known as Medigap Plans, Medicare Supplement Plans fill in the “gaps” of medical costs that aren’t covered by Original Medicare, such as coinsurance, copayments, and deductibles.
The policyholder pays the insurance company a premium payment every month in return for a death benefit to be paid to the policyholder’s chosen beneficiaries in the event of their death.
Health insurance is essential to have through all walks of life. Whether it is an individual, family, or group plan, John Kyle will advise and guide you in the right direction to find the coverage you deserve.
Different types of supplemental insurance pay you a cash benefit while you’re sick or injured. Whether it’s disability or dental, explore your many options with John Kyle.
We have acquired an abundance of knowledge, and we’re eager to share this expertise with you in the form of articles and blog posts.
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Health
In the simplest form, health insurance is a product that provides coverage for medical expenses. Services from preventive care up to doctors’ visits and emergencies are all covered under health insurance. Even though some of the costs are covered, there will still be a remaining balance paid for medical care. This is often referred to as your out-of-pocket expenses. With most plans, you will have a limit to what you can be charged in a given year called your out-of-pocket limit. Once you break this threshold, then your portion of the expenses drops to zero.
When paying for health insurance, you will normally see costs come in the form of either premiums, deductibles, copayments, or coinsurance. Below is a breakdown of these costs and the reason they are being charged:
In general, medical and healthcare in the United States are too expensive for most people to pay for out-of-pocket expenses. Many studies have found that medical bills are one of the biggest leading causes of consumer debt and bankruptcy. Now that we have established health insurance is a necessity, let’s take a closer look at a few examples of different situations where you might be changing or adding insurance:
We are not connected with or endorsed by the United States government or the federal Medicare program.
The amount of health insurance options you have to choose from can be overwhelming. Deciding whether to go with a plan that makes you stay in a network as opposed to one that provides coverage throughout the country can be complicated when you start looking at prices. That’s why it is best to sit down with a licensed agent and discuss all the options you qualify for. John Kyle Insurance offers a free consultation period where we will walk you through the process of deciding which plan works best for you and your family. To get started, give us a call today at (440) 230-1223.
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We are not connected with or endorsed by the United States government or the federal Medicare program.