What happens if I need physical therapy after a fall? InsurCare has the answers!

Healthcare supplements, such as Medigap plans, are designed to cover the "gaps" in coverage left by traditional Medicare plans. These supplements can help with various out-of-pocket healthcare expenses, such as copayments, coinsurance, and deductibles.

Specifically, Medigap plans may cover expenses such as Medicare Part A coinsurance and hospital costs, Medicare Part B coinsurance or copayments, skilled nursing facility care coinsurance, and even foreign travel emergency care.

It's important to note that the coverage provided by supplements can vary depending on the specific plan and insurance provider. Therefore, it's crucial for individuals to thoroughly compare and understand the coverage options offered by different supplements to ensure they select a plan that best meets their healthcare needs. InsurCare will help you navigate through these plans at no cost to you.

Sometimes, people need therapy during a skilled stay at a skilled nursing facility. Are you covered?

Skilled facility care coinsurance refers to the portion of the costs an individual is responsible for paying when receiving skilled nursing facility (SNF) care after a qualifying hospital stay.

Under Medicare, skilled facility care coinsurance typically applies to days 21 through 100 of a SNF stay following a hospitalization of at least three consecutive days. During this period, Medicare Part A covers the total cost for the first 20 days of SNF care, and the individual is responsible for paying a coinsurance amount for days 21 to 100.

The coinsurance amount can vary depending on the specific year and is subject to change annually. Individuals need to know their financial obligations and how skilled facility care coinsurance could impact their healthcare expenses when planning for potential SNF stays.

Let us be your trusted partner. Call InsurCare today!

David L. Goubeaux, Life, Health, AHIP 316-761-4646