Medigap, also known as a Medicare Supplement plan, is offered by private companies to help cover the costs that Original Medicare doesn’t pay for. This includes expenses like copayments, coinsurance, and deductibles, which can add up quickly without additional coverage. If you’re someone who enjoys traveling internationally, Medigap plans also offer the added benefit of coverage when you’re outside of the United States—something Original Medicare doesn’t provide. To qualify for a Medigap plan, you must already be enrolled in Medicare Parts A and B. Medigap vs. Medicare Supplement: What’s the Difference? There’s often confusion about Medigap and Medicare Supplement plans. To clarify, here are some key distinctions: Navigating Medicare and its various plans can be overwhelming, but Health Plans of

If you need help paying for health insurance in 2025, your eligibility will depend on your income and state of residence. Under the Affordable Care Act (ACA), subsidies have helped reduce costs for millions of Americans. However, the enhanced subsidies that were introduced under the American Rescue Plan Act (ARPA) and extended through the Inflation Reduction Act (IRA) are set to expire at the end of 2025. The Trump administration is not expected to renew these enhanced subsidies, which could make coverage more expensive for many Americans purchasing insurance through the ACA marketplace.1 As of now, you may still qualify for ACA subsidies if your health insurance costs exceed 8.5% of your household income. However, policy changes under the Trump

Maximize Your Health Benefits with These Smart Tips Healthcare costs can add up quickly, and while comprehensive plans often come with a hefty price tag, they might not always cover the things you truly need. At Health Plans America, we’re committed to helping you make the right choices for both your health and your budget. To help you get the most out of your coverage, we’ve put together a few valuable tips to maximize your health benefits: Understanding your health insurance options is key to making informed decisions about your coverage. With Health Plans America, finding the right plan for you is simple and hassle-free. Connect with a licensed insurance agent today to discover a healthcare plan that fits your

If you wear prescription glasses and they’re considered “medically necessary,” you may be eligible for coverage through certain insurance plans. For instance, if you require prescription glasses after cataract surgery, this may qualify as medically necessary care. However, it’s important to note that Original Medicare Parts A and B typically don’t cover most prescription glasses, contact lenses, or other eyewear. Understanding the distinction between what’s covered and what’s not is essential to ensuring you get the coverage you need. If your prescription glasses aren’t considered a medical necessity, Medicare Advantage (Part C) plans may still offer coverage for eyeglasses, contact lenses, and prescription sunglasses. The specific benefits and costs can vary by plan, so it’s important to discuss the details

4 Important Medicare Gaps You Need to Know About While many people are familiar with the coverage Medicare provides, it’s equally important to understand what it doesn’t cover. Here are four key areas where Medicare falls short: Prescription Drugs: Original Medicare doesn’t include prescription drug coverage. However, you can add this coverage through Medicare Part D or choose a Medicare Advantage plan, which bundles both medical and drug coverage. Long-Term Care: Medicare covers certain nursing services but doesn’t provide for custodial care, such as assistance with daily activities like bathing and dressing. For this type of care, long-term care insurance is your best option. Deductibles and Copays: Even with Medicare Part A and Part B covering some hospital stays and

In today’s world, where technology is everywhere, it can be difficult to tell if you’re falling victim to a scam. When it comes to your health, however, scams and fraud can have a serious impact on your peace of mind and overall well-being. As we begin the New Year, here are some simple yet effective steps you can take to protect yourself from Medicare scams: Stay Alert for Suspicious Activity Be vigilant and trust your instincts. If something feels off, take a moment to assess the situation. Scammers often rely on pressure and urgency, so don’t hesitate to pause and question their motives. Ask Questions and Seek Trusted Advice If you’re ever uncertain, ask questions. Whether it’s about a phone