Supplemental Medicare plans protect Sitka, Alaska, Medicare beneficiaries from high healthcare costs. These plans extend Medicare coverage beyond the boundaries of Original Medicare.
We will examine the advantages and disadvantages of these types of programs in the following sections.
Medicare plans in Sitka, Alaska
You can use a supplement plan to cover services generally requiring you to pay out-of-pocket. Medigap plans and Medicare Advantage plans offer different benefits to Medicare beneficiaries.
The prices in the following sections are accurate for a typical 65-year-old female patient, but you can use them to get an idea of your expected price range.
Medicare Advantage plans
Unfortunately, Medicare Advantage plans are not available to beneficiaries in Sitka. However, Part D and Medigap plans can still provide adequate supplemental coverage.
Medicare Supplement plans
Supplement plans for Medicare provide superior coverage compared to Original Medicare. In addition, by expanding coverage, these plans prevent beneficiaries from incurring costs they otherwise would have to bear. There is no difference in benefits for these plans regardless of where you live, but the prices may vary depending on location.
Plan G is popular with Sitka, Alaska, Medicare beneficiaries due to its comprehensive coverage. This Medigap policy costs between $110.67 and $343.34 per month. With this plan, beneficiaries receive protection from most types of medical expenses.
Another Medigap plan worth considering is Plan F. Compared with other Medigap plans, this option is more expensive but offers excellent coverage. The Medigap plan with the most comprehensive coverage, Plan F, also covers excess charges and has monthly premiums ranging from $130.58 to $370.37.
Plan N offers Alaska beneficiaries a more affordable but compelling alternative with monthly premiums ranging from $83.92 to $332.44. Beneficiaries must pay a copay for most medical services if they choose Plan N.
The average cost of Medicare Supplement plans in Sitka, Alaska
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Medicare Part D prescription drug plans
Part D coverage is available to Sitka, Alaska, Medicare beneficiaries for medications their doctor prescribes. No Medigap plans and only some Medicare Advantage plans cover these expenses, so this coverage is essential. Enrolling in Medicare Part D in Sitka, Alaska, is vital for most beneficiaries.
As the lowest-priced local plan, Aetna offers a monthly premium of $7.30 and a deductible of $480.
Wellcare’s plan has a deductible of $480 and a premium of $8.40 per month.
The deductible of UnitedHealthcare’s Part D plan is only $310, but the premium is $23.40.
Special Needs plans
Special Needs Plans provide specific coverage for beneficiaries with disabilities or chronic conditions. Unfortunately, these plans are not currently available in Sitka.
How to sign up for Medicare plans in Sitka
Sitka, Alaska, Medicare enrollment can be confusing and challenging, which makes it natural to feel overwhelmed.
However, if you don’t know which supplemental Medicare coverage to choose, our helpful staff will gladly assist you.
We are always excited to help Sitka residents find better coverage, so give us a call or fill out our super easy online form to get the best rates today.