California Health Insurance News 
Articles / California Medicare Supplement Insurance or Medigap vital for Seniors
02/15/2006
Compared to other countries, the American Health Care system leaves a lot to be desired.
In England and Canada to cite only two of the most familiar countries, people don't have the concerns and complexities that Americans need to cope with to stay healthy. The Government takes care of everything through their National Health System. Here in America, the variables from insurance company to insurance company and even state to state make it a nerve-wracking experience for the individual when having to choose which policy will best serve him and his family. Medigap Insurance is the only way seniors have of supplementing any insurance short-falls.
The confusion about Medicare Part D is still, to a large degree, unresolved. That aspect of health care insurance is only designed to ease the cost of prescription medicines and still leaves vast areas of health care needing attention.
"Here in California we do have a safeguard for areas of healthcare that are not covered by other insurances” said David Thau, a well known and experienced insurance advisor and CEO of 'Keep It Simple Insurance'. California Medicare Supplement Insurance or Medigap as it is also known, is specifically designed to supplement Medicare benefits. There are many medical services that Medicare does not cover and a Medigap policy provides reimbursement for most out-of-pocket expenses that are not covered by Medicare. Senior citizens need to be aware of this so that in times of crisis, they do not add the extra worry of a financial burden to it."
Before Medicare will pay for any medical services, Medicare's deductibles must be paid. When combined with the co-insurance that must also be paid, the individual may be out hundreds, even thousands of dollars, before Medicare pays any benefits!
Senior citizens must also take into account that if they are seriously incapacitated and do not have Medigap coverage, they may be putting a heavy financial burden on their families who may be called upon to pay in the difference. Making sure that this does not occur is important for everyone's peace of mind. To find out more about Medigap, go to www.keepitsimpleinsurance.com
