Define: Comprehensive Medicare Supplement

A Comprehensive Medicare Supplement plan, also known as Medigap, is a private health insurance policy that helps cover the gaps in Original Medicare, such as deductibles, copayments, and coinsurance.

To be eligible for a Comprehensive Medicare Supplement plan, you must be enrolled in Medicare Part A and Part B. You cannot have any other health insurance coverage that duplicates what the Medigap plan offers.

No, there are specific enrollment periods for Comprehensive Medicare Supplement plans. The best time to enroll is during your Medigap Open Enrollment Period, which starts on the first day of the month you turn 65 and are enrolled in Medicare Part B.

The cost of a Comprehensive Medicare Supplement plan varies depending on factors such as your age, location, and the specific plan you choose. It is important to compare different plans and their costs before making a decision.

Yes, you can switch Comprehensive Medicare Supplement plans at any time. However, you may be subject to medical underwriting, which means the insurance company can consider your health status and charge you a higher premium or deny coverage based on pre-existing conditions.

No, a Comprehensive Medicare Supplement plan does not cover prescription drugs. You will need to enroll in a separate Medicare Part D plan to get prescription drug coverage.

Some Comprehensive Medicare Supplement plans offer coverage for emergency medical care while traveling outside of the United States. It is important to check the specific plan details to understand the extent of coverage.

Yes, you can cancel your Comprehensive Medicare Supplement plan at any time. However, it is advisable to have another health insurance plan in place before canceling to avoid any gaps in coverage.

Yes, Comprehensive Medicare Supplement plans are standardized by the federal government. This means that each plan type offers the same basic benefits, regardless of the insurance company offering it. However, the premiums may vary between insurance companies.