Some folks think that Medicare is all they need until they end up in the hospital. If they haven’t done their homework, it may come as a shock to learn that they have to pay for $1,132 worth of charges before their coverage is any good. And, they might have to spend that much again in the very same year.
Medicare’s Part A deductible on hospitalization is not an annual deductible. It resets 60 days after you leave the hospital. Reimbursing you for that deductible is just one of the Medigap Insurance Plan advantages.
These plans can also help with hospital charges after the 60 days of full coverage with Medicare expires. Then Medicare only picks up part of the daily hospital charge, but Medigap Plans can handle the rest so you won’t the hospital anything.
Medigap Plans can pick up as much or as little of Medicare’s out-of-pocket costs as you need. Out-of-pocket is just a fancy way of saying that Medicare won’t pay for all medical expenses. If you’re likely to incur medical bills with just Medicare coverage, check out the Medigap Plan advantages.

Wiley Long is founder and president of Medigap Advisors, and is passionate about helping people navigate the confusing waters of Medicare. He is the author of The Medicare Playbook: Designing Your Successful Health Coverage Strategy, a clear and simple explanation so you can make the most of your Medicare coverage.