What is the first thing that springs to mind when you hear the words “Medicare Supplement Insurance”? The word “money” is usually the very first thing that comes to mind for most people. First, there are the monthly payments for the Medicare supplement plans. Quality protection is not inexpensive. However, we must have insurance in order to avoid being saddled with debts.
Given our culture and the present state of our economy, it’s understandable that most of us are concerned about the financial effect of Medicare Supplement Insurance, both in terms of costs and benefits. The value of having supplementary insurance is frequently ignored, despite the fact that it is just as, if not more, essential than, the “money” when it comes to making Medicare coverage decisions.
I’m referring to healthcare access and the overall quality of care. In the realm of high-quality treatment, having or demonstrating your capacity to pay, as provided by an insurance card, is the golden key. As a result, you may believe that health care professionals are obligated to give treatment irrespective of a patient’s financial situation. That is a misunderstanding of the situation.
It’s true that if a patient is having a medical issue, no hospital can refuse to treat them because they can’t pay. But if the patient was not having a life-threatening condition, the hospital can still refuse to treat them.
Stabilizing a patient in the event of a medical emergency is necessary. A hospital must evaluate you regardless of whether or not you have the financial means to pay for it. In the event that it is judged that your health is in imminent danger, they will be compelled to stabilize your state.
Take, for example, a 69-year-old woman who was quite active and in excellent health. In the months leading up to her 70th birthday, her phone rang nonstop, phone calls from insurance salesmen trying to sell Medicare supplements.
Well aware that she did not want the restrictions of a Medicare Advantage Plan, she rejected that choice in favor of remaining with regular Medicare to continue seeing her doctor.
She glanced over the supplement ideas but she refused one instead she maintained her fitness program and goes on vacation with a group of pals.
After sometime, she was having some discomfort in her knees making it difficult for her to do things around.
Finally, she scheduled an appointment with an Orthopedic Surgeon to discuss her options. After the standard tests, she was told that she would need total knee replacements for both knees.
She booked her operation as soon as feasible till she knew the surgical practice policy does not cover non-emergency cases.
Due to the fact that she has been recommended to undergo surgery but has not yet done so, she is ineligible to get a medicare supplement plan.
Consider all of your options when it’s about how much money you are paying on Medicare supplement plans.
Don’t only consider how the plan will pay your fees if you ever need it. Keep in mind that Original Medicare combined with a high-quality supplement plan ensures that you have access to the greatest medical care possible.
I really believe that with the necessary, precise information, delivered in a comprehensible manner, our Seniors can position themselves for the future and obtain the peace of mind and security that they deserve at this exciting point in their lives, and I believe that this is possible.