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If you’re part of the soon-to-be-senior generation, it’s a healthy idea to learn all you can about Medicare, the U.S. government–administered health insurance program for seniors, before you’re eligible.
Supplementing Your Coverage
Medicare is similar to a major medical plan, but like other health insurance programs, it doesn’t cover everything. Combined with rising health care costs, this can lead to a financial burden, but one that may be eased with supplemental coverage.
Medicare Supplement is add-on insurance coverage that can help pay expenses not covered or only partially covered by Medicare, such as deductibles, co-pays and other out-of-pocket expenses.
“Medicare Supplement plans generally work like major medical insurance,” says John Fauzey, vice president and national director of senior products for Combined Insurance, a leading supplemental insurance provider. “The supplemental policy helps make up the difference between what Medicare pays and what you are charged for care. For example, with hospitalization, Medicare will pay all but $1,132. A Medicare Supplement policy can be purchased to cover that $1,132.”
Finding The Right Protection
All Medicare Supplement policies are not created equal. It’s important to find the right coverage for your specific needs.
Fauzey offers these tips:
A knowledgeable professional can help you identify your needs and thoroughly explain what options are available to you. Once you understand your needs, finding the right policy is much easier. Visit combinedinsurance.com.to get started.
About Combined Insurance
Combined Insurance (http://www.combinedinsurance.com.) is a leading provider of supplemental accident, health and life insurance products and is a member of the ACE Group of Companies. With a field sales force and corporate staff in excess of 10,000 people worldwide, Combined Insurance meets the growing coverage needs of policyholders around the globe. For more information, call 1-800-490-1322 or visit combinedinsurance.com.
ACE Group is one of the world’s largest multiline property and casualty insurers. With operations in 54 countries, ACE provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. ACE Limited, the parent company of ACE Group, is listed on the New York Stock Exchange (NYSE: ACE) and is a component of the S&P 500 index. Additional information can be found at acegroup.com.
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Combined Insurance Company of America (Chicago, IL Illinois) is a leading provider of individual supplemental accident, disability, health, and life insurance products and a Chubb company. With a tradition of nearly 100 years of success, we have an A+ rating by the Better Business Bureau and are one of Ward’s Top 50® Performing Life-Health Insurance Companies. Combined Insurance is also the number one Military Friendly® Employer in the over $1B revenue category for 2019 by VIQTORY. This is the company’s eighth consecutive year on the top 10 list and fifth consecutive year in the top 5—Combined Insurance was previously named the number one Military Friendly® Employer in the nation for 2015 and 2016. In New York, products are underwritten by Combined Life Insurance Company of New York (Latham, NY).
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