(PRWEB) January 13, 2014
The affordable health care act is in affect and most Americans have no idea the details of what they have signed up for. Many Americans will be shocked when they go to utilize their Obamacare Health Insurance plan and find that they are responsible for another $6,000 (or over $12,000 for families) in out-of-pocket expenses, in deductibles on top of their monthly premium. 1-800-MEDIGAP is putting for the every effort to find the best resolution for this gap in medical coverage.
The coinsurance a member will pay when utilizing many of the benefits covered by their new health care plan can be costly. Members will have to contribute additional monies to get the best coverage. This stipulation was designed in the mindset that if a procedure is really important to you, you will be willing to put some “skin in the game” to have it, if it is not as important to you, you may choose to wait or choose different treatment options. This will deter unnecessary usage and/or abuse of the program.
There are various ways to deal with this matter. One option is to come out of pocket for the percentage not covered by medical plans. This is not an option for many new enrollees in the Affordable Care Act, as many already have strict overall financial limitations, not to mention a limited healthcare budget.
Another options is for a consumer to not to use the insurance they pay the monthly premium on. While this renders being covered under the ACA essentially useless it is unfortunately the only option many Americans will have because their healthcare budget can only be stretched so far.
The final and most reasonable option is too look for a health insurance supplement plan or gap plans to cover what the affordable care act does not cover. Many insurance companies are already implementing MEDICAL GAP INSURANCE (MEDIGAP) plans to start in 2014. These medical gap insurance (MEDIGAP) plans will be similar to the medicare supplement plans that retirees know as MEDIGAP plans. Our company is working with various components of the healthcare market to offer plans as a solution.
These new medical gap plans will be designed to off-set the out-of-pocket exposure a Obamacare Health Insurance plan member may be exposed to during the calendar year on their new plan. Medical Gap Insurance will help to pay a portion of hospital inpatient benefits and outpatient benefits of any co-payments, deductibles or coinsurance, equal to or below your annual preselected benefit, but will not cover any services not covered by your Primary Medical Policy. For more information and to find out if these plans are available in your area please visit our site or call 1-800-MEDIGAP at 1-800-633-4427.
1-800-MEDIGAP is the nations toll free hotline for seniors looking for gap coverage for their medicare supplement plans, providing service and online tools 24 hours a day and live agent support 6 days a week. Visit 1-800-MEDIGAP.com for more information on medical gap insurance.