New Jersey Medicare Supplemental Insurance (Medigap)

The Internet makes searching for information on Medicare easier than ever before and many seniors are much better informed on their needs and the different plans than they used to be. In the past many seniors had no idea what additional health insurance for seniors was available. While you can still call the Medicare office at 1-800-MEDICARE for some help they are better equipped to handle questions regarding the basic Medicare Part A and Part B and what they cover and do not as well as the deductible and premium payment amounts you will be responsible for.

Private insurance companies in the state of New Jersey will be the best places to go for information on Medicare supplemental insurance. Most major carriers handle Part C and D, sometimes combined in one policy known as Medicare Advantage, Medigap or other names these policies have monthly premium payments that must be met but help cover the costs of deductibles, co-payments, and other medical services not covered by traditional Medicare. If a policy you choose does not include Medicare Part D it is important to include that in your additional coverage because it is the only Medicare supplemental insurance that handles prescription medicines—a huge factor in senior health care expenses.

If you cannot afford payments of any kind seniors can contact the New Jersey Medicaid department to see if they qualify for additional assistance that may pay for all of the extra expenses of health insurance for seniors. Seniors who have trouble using the Internet can ask friends and family for assistance. Grandchildren are a great resource because they often have the time and are very good at computer information processing and can get you the information you need to make informed choices on your health care.