Basic knowledge about Medicare advantage plan J

Basic knowledge about Medicare advantage  plan J

Generally referred to as the Medigap J Advantage  Insurance Policy, the Medicare J Supplemental Insurance Policy covers certain expenses not covered by the Medicare program. Unfortunately, plan J is no longer on offer. However, this policy remains valid for those who joined the program as of June 1, 2010. In addition, there is also a separate annual deductible of approximately $ 250.

What is covered by plan J?

Just like all Medigap or Medicare Advantage policies, the J policy guarantees certain deficiencies in Medicare A and B insurance, including:

• at-home recovery

• Attention through qualified support structures.

• Emergency assistance for traveling abroad.

• Excess of commissions / costs in Part B

• Medicare Insurance (for example, Part B)

• Franchises of Parts A and B

• Up to $ 120 in preventive care not covered by Medicare

What the policy does not guarantee:

Unfortunately, some health problems are not covered by policy J (i.e. according to the centers for Medicare and Medicaid services); and include the following:

• glasses

• dental care

• helmet

• Long-term care in a retirement home.

• nursing assistance

• eye care

The conclusion is the elimination of Policy J because of the need to improve the overall Medicare insurance infrastructure.

Default deletion:

It has often been said that policy J was eliminated from Medigap plans because there were two similar benefits to policy F. Policy F has often been considered the most comprehensive of all Medicare policies Advantage / Medigap. The two specific benefits that distinguish strategy J from strategy F include home recovery and preventive care. The Centers for Medicare and Medicaid Services have canceled both of these assurances for lack of use. As a result, the J policy has been removed because of this duplication.

Other considerations:

It is important to note that insured persons in policy J who are not covered by the above conditions are subject to the “closed activity block”, which means that new contracts will not be offered after the 1st June. There are many assumptions that policy insurance rates will increase because of the factors mentioned above. Although this is useful for some, its impact on current recipients has not been seen yet. Get a 2019 medicare advantage plan at in order to have coverage.

It is a good idea for every individual with a policy J to evaluate current Medigap policies and to compare the benefits and benefits with what they are currently paying. You may be surprised to learn that you can save money and enjoy benefits similar to those of Policy J. Each insurance company establishes a commission which can offer an agent or a consultant to recommend his product. Insurance companies pay agents directly, so you never have to pay an agent for their services. The other school of thought is that you are paying this agent for their services as a customer, so they are thinking of more than what they will stand to earn for each sale.