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	<title>New answer on: I need secondary health Insurance with Medicare</title>

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		<title>By: Jason Goldenzweig</title>

		<link>https://www.insurancelibrary.com/health-insurance/need-secondary-health-insurance-medicare</link>

		<dc:creator>Jason Goldenzweig</dc:creator>

		<pubDate>Sat, 29 Mar 2014 14:31:27 +0000</pubDate>

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		<description><![CDATA[Original Medicare (Part A &#038; Part B) generally covers approximately 80% of your health care expenses. A Medicare supplement (Medigap) plan can cover gaps  in Original Medicare (up to or all of the remaining 20%, depending on the plan). This is the optimal structure for many individuals. 

Plan A and Plan C are usually available Medigap plans for people under 65 on Medicare, but the premiums can be much more expensive than when you&#039;re 65 or older.

An alternative option would be a Medicare Advantage plan. I would recommend consulting with an insurance agent/broker to compare Medigap and MA plans that are available (and see if you have a special enrollment period available for Medicare Advantage plans - if you don&#039;t have a special enrollment period, you would have to wait until the Annual Enrollment Period (October 15-December 7 of each year) to enroll in one).

For individuals on Medicare who are 65 or older, they would likely only have a group plan through an employer (if they&#039;re still working) to provide secondary coverage (although the group plan may pay first and Medicare pay second). Under this scenario, you would likely only have secured Part A and not Part B of Medicare as Part B requires monthly premiums - Part A is generally premium-free for most individuals. 

The premiums for a traditional under 65 health plan for someone 65 or older would be substantially more expensive than setting yourself up under Part A, Part B, and securing a Medigap plan or enrolling in a Medicare Advantage plan.]]></description>

		

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