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Medicare and Health Insurance in Canonsburg, PA Pittsburgh, PA & Surrounding Areas

While Medicare provides beneficial essential insurance coverage for specific health-related expenses, it does not cover all of your healthcare needs or all of your healthcare expenses. There are a number of gaps in Medicare coverage that you are personally responsible for paying out-of-pocket or with private insurance. Fortunately, Gullborg Insurance, Inc. offers a selection of reasonably priced Medicare supplement insurance options to more fully meet your healthcare needs.

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What is Medicare Supplemental Insurance (Medigap)?

Medicare Supplement Insurance (Medigap) policies are sold by private companies and can help bridge the gap between some of the healthcare costs that original Medicare doesn’t cover. Medigap covers items such as copayments, coinsurance, and deductibles. If you have Medicare insurance and purchase a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Your Medigap policy then pays its share.

Some Medigap policies also provide coverage for services that original Medicare doesn’t cover, such as coverage when you travel outside of the United States. Each policy offers a variety of options. The licensed insurance agents at Gullborg Insurance, Inc. would be happy to consult with you to assist you with determining which Medigap policy will best meet your needs.

Learn the Difference: Medigap Versus Medicare Advantage Plans

It is important to learn the difference between Medigap policies and Medicare Advantage Plans. While a Medigap policy only supplements your original Medicare coverage, a Medicare Advantage Plan is a way of receiving all of your Medicare benefits. Medicare Advantage Plans are offered by private insurance companies that contract with Medicare to provide you with all of your Medicare Part A and Part B benefits. Medicare Advantage Plans include:

  • Health Maintenance Organizations (HMOs)
  • Preferred Provider Organizations (PPOs)
  • Private Fee-for-Service Plans
  • Special Needs Plans
  • Medicare Medical Savings Account Plans

If you are enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and aren’t paid for under original Medicare. Most Medicare Advantage Plans also offer prescription drug coverage.

Is a Standalone Part D Medicare Prescription Plan Right for You?

If you are interested in learning more about a standalone Medicare Part D prescription drug plan, contact us and we will help you decide if these plans are right for you. The agents of Gullborg Insurance, Inc. will help you learn more about your options and assist you with getting the coverage that you need at a price that fits nicely within your budget.

If you are interested in learning more about your Medicare coverage options online, please visit the Official Medicare Website for detailed descriptions of the various coverage options available to you.

We Can Help You Find Affordable Health Insurance

At Gullborg Insurance, Inc., we know that your medical insurance needs are as unique as you are and that purchasing health insurance can be a very challenging experience (particularly if you are buying it for the first time). For individuals and families living in Pennsylvania who are not offered job-related health insurance, let us find an affordable private insurance plan to meet your medical coverage needs. Call us to discuss your options about which coverage would be best.