Supplemental Insurance Really Helps
Posted by SceneR on September 23, 2009
I regularly attend a medical support group with my father. He is a two-time transplant patient who goes to a monthly group to receive support from other people who have also dealt with traumatic ongoing medical conditions. I have learned a lot from attending this group with him. One of the things which I didn’t expect to learn about from this group was the state of Medicare in this country today.
I always thought that Medicare covered all of the expenses for elderly people who needed health care. What I’ve learned is that this isn’t true at all. Medicare does a great job of covering most of the costs of health care for the elderly. However, it doesn’t cover everything. The patient still has to pay a small percentage of the costs for himself. When you’re dealing with an ongoing medical condition or a big procedure like an organ transplant, even that small percentage can be very high.
Through my dad’s group, I’ve learned that there’s a solution to this problem. The solution is to purchase supplemental Medicare insurance which pays for the part of your health care that isn’t covered by Medicare. For example, if you look into affordable health insurance in Florida then you’ll discover that there’s a Florida Medigap program which you can invest in to cover these added health expenses. And what I’ve learned from Dad’s group is that it’s totally worth it!