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	<title>Answers for InsuranceLibrary.comMartha Gonzales - President - CHM Insurance Services</title>
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		<title>Answer on Does Medigap Plan F Cover Physical Therapy? by Martha Gonzales</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medigap-plan-f-cover-physical-therapy#answer_24121</link>
		<dc:creator>Martha Gonzales</dc:creator>
		<pubDate>Tue, 09 Sep 2014 00:46:22 +0000</pubDate>
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		<description><![CDATA[MediGap Plan F policies are designed to pick up the 20% that Medicare doesn&#039;t cover in exchange for a monthly premium. The plans are standardized and are required to cover all of the approved services covered by Medicare Parts A &#038; B. Physical Therapy is considered an outpatient rehabilitative service. This category is a Medicare covered benefit which includes Occupational Therapy, Physical Therapy, Speech and Language Therapy.]]></description>
		<content:encoded><![CDATA[MediGap Plan F policies are designed to pick up the 20% that Medicare doesn't cover in exchange for a monthly premium. The plans are standardized and are required to cover all of the approved services covered by Medicare Parts A &amp; B. Physical Therapy is considered an outpatient rehabilitative service. This category is a Medicare covered benefit which includes Occupational Therapy, Physical Therapy, Speech and Language Therapy.]]></content:encoded>
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		<title>Answer on About How Much Does Health Insurance Cost? by Martha Gonzales</title>
		<link>https://www.insurancelibrary.com/health-insurance/about-how-much-does-health-insurance-cost#answer_23882</link>
		<dc:creator>Martha Gonzales</dc:creator>
		<pubDate>Tue, 02 Sep 2014 21:42:32 +0000</pubDate>
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		<description><![CDATA[Health Insurance would cost a premium, which is a monthly cost paid by the insured [person purchasing insurance]. There are a few factors that are consider when calculating a premium. Typical questions our agency asks are: Is this an individual policy or family? Who should be covered by the policy and what are the dates of birth for each person you would like to have covered? What is you home zip code? Do you want an HMO or PPO? Now that the Affordable Care Act is available, if you would like to determine if you qualify for premium assistance, we need to know your household size and your household income. There is a grid based on household size and income that determines if you qualify for premium assistance and how much you can get. All of those factors contribute to How much Health Insurance Costs! Its a custom answer.]]></description>
		<content:encoded><![CDATA[Health Insurance would cost a premium, which is a monthly cost paid by the insured [person purchasing insurance]. There are a few factors that are consider when calculating a premium. Typical questions our agency asks are: Is this an individual policy or family? Who should be covered by the policy and what are the dates of birth for each person you would like to have covered? What is you home zip code? Do you want an HMO or PPO? Now that the Affordable Care Act is available, if you would like to determine if you qualify for premium assistance, we need to know your household size and your household income. There is a grid based on household size and income that determines if you qualify for premium assistance and how much you can get. All of those factors contribute to How much Health Insurance Costs! Its a custom answer.]]></content:encoded>
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		<title>Answer on Will Medicare Pay For A Psychologist? by Martha Gonzales</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-medicare-pay-for-a-psychologist#answer_23881</link>
		<dc:creator>Martha Gonzales</dc:creator>
		<pubDate>Tue, 02 Sep 2014 21:34:29 +0000</pubDate>
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		<description><![CDATA[Outpatient Mental Health Care is a covered benefit under Medicare Part B. There is a 20% co-insurance for most outpatient mental health services. If you are a member of a Medicare Advantage Plan, you plan may cover that service with a simple co-pay. You have the option to have a individual therapy visit or group therapy visit.]]></description>
		<content:encoded><![CDATA[Outpatient Mental Health Care is a covered benefit under Medicare Part B. There is a 20% co-insurance for most outpatient mental health services. If you are a member of a Medicare Advantage Plan, you plan may cover that service with a simple co-pay. You have the option to have a individual therapy visit or group therapy visit.]]></content:encoded>
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		<title>Answer on How Do Medigap Plans Work? by Martha Gonzales</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-do-medigap-plans-work#answer_23880</link>
		<dc:creator>Martha Gonzales</dc:creator>
		<pubDate>Tue, 02 Sep 2014 21:27:09 +0000</pubDate>
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		<description><![CDATA[Medigap policies serve as a supplement to Original Medicare. Original medicare is an 80/20 plan, where Medicare pays 80% of the approved charges. The beneficiary is typically responsible for the 20% co-insurance as well as co-pays and deductibles that come with Medicare Parts A &#038; B. The Medigap policy is designed to pick up the 20% Medicare doesn&#039;t cover in exchange for a monthly premium payable to the carrier selected. The most comprehensive Medigap policy is Plan F, which covers all of the Part A &#038; B deductible, co-insurance and co-pays, so when the beneficiary goes to receive care their is zero out-of-pocket costs. Some plans may also provide benefits like foreign travel as well as a gym membership as part of your regular plan.

Please note: when purchasing a Medigap Policy, you need to add a Stand-Alone Prescription Drug Plan to satisfy your requirement as a Medicare Beneficiary to have Part D - Prescription Drug Coverage met.]]></description>
		<content:encoded><![CDATA[Medigap policies serve as a supplement to Original Medicare. Original medicare is an 80/20 plan, where Medicare pays 80% of the approved charges. The beneficiary is typically responsible for the 20% co-insurance as well as co-pays and deductibles that come with Medicare Parts A &amp; B. The Medigap policy is designed to pick up the 20% Medicare doesn't cover in exchange for a monthly premium payable to the carrier selected. The most comprehensive Medigap policy is Plan F, which covers all of the Part A &amp; B deductible, co-insurance and co-pays, so when the beneficiary goes to receive care their is zero out-of-pocket costs. Some plans may also provide benefits like foreign travel as well as a gym membership as part of your regular plan.

Please note: when purchasing a Medigap Policy, you need to add a Stand-Alone Prescription Drug Plan to satisfy your requirement as a Medicare Beneficiary to have Part D - Prescription Drug Coverage met.]]></content:encoded>
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		<title>Answer on Who Can Get Medigap? by Martha Gonzales</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/who-can-get-medigap#answer_23879</link>
		<dc:creator>Martha Gonzales</dc:creator>
		<pubDate>Tue, 02 Sep 2014 21:16:26 +0000</pubDate>
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		<description><![CDATA[Any Medicare Beneficiary who has Original Medicare, with both Part A &#038; Part B Active. The best time to purchase a Medigap Policy [also known as Medicare Supplement] is during your initial 6-month Medigap open enrollment period, because you can buy any Medigap policy sold in your state, even if you have health problems.

You can also buy during the Open Enrollment [October 15-December 7]. Medigap insurance companies are generally allowed to use medical underwriting to decide whether to accept your application and how much to charge you for the Medigap policy. There are several Medical Guarantee Issue Rights that will allow you to purchase a Medigap policy without underwriting questions affecting the outcome. I can provide a list if you are interested.]]></description>
		<content:encoded><![CDATA[Any Medicare Beneficiary who has Original Medicare, with both Part A &amp; Part B Active. The best time to purchase a Medigap Policy [also known as Medicare Supplement] is during your initial 6-month Medigap open enrollment period, because you can buy any Medigap policy sold in your state, even if you have health problems.

You can also buy during the Open Enrollment [October 15-December 7]. Medigap insurance companies are generally allowed to use medical underwriting to decide whether to accept your application and how much to charge you for the Medigap policy. There are several Medical Guarantee Issue Rights that will allow you to purchase a Medigap policy without underwriting questions affecting the outcome. I can provide a list if you are interested.]]></content:encoded>
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