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	<title>New answer on: How Do Medigap Plans Work?</title>

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		<title>By: Martha Gonzales</title>

		<link>https://www.insurancelibrary.com/medicare-insurance/how-do-medigap-plans-work</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>

		

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