What Is a Guaranteed Issue Right?

Guaranteed issue right under the Medigap program refers to certain situations where by law, companies are required to offer you a Medicare supplement insurance plan regardless of your health status. Even if you have pre-existing conditions, Medicare Supplement...

What Are Cost-Sharing Plans?

Cost sharing is the portion of the costs covered by both you and your insurance company that you pay out of your own pocket. This cost ranges from deductibles, coinsurance, co-payments, or similar charges. Although, it does not include premiums, balance billing...

Why Was My Medicare Claim Denied?

Medicare sometimes will decide that a particular treatment is not covered and the beneficiary’s claim will be denied. Many of these decisions are highly subjective and involve determining for example, what is “medically and reasonably necessary” or...