The Ins and Outs of Medigaps Coverage

Esther Sirica, 68, was planning to have got a surgery performed on her left foot's hammertoe. She had joined a swim baseball club for seniors and wanted to demo off her feet. "I'd always wanted to be a ft theoretical account when I was younger," she explained, "In my day; a well-turned ankle joint was just the beginning."

But she wasn't independently wealthy, and there were spreads in her Medicare insurance that she didn't understand. "When I asked my primary attention doctor about the surgery, he said that I wouldn't be covered. "It's elective surgery on a pre-existing condition," he asserted. But Esther wasn't convinced. "Men used to happen my feet lovely," she told her physician, "except for THAT one." She was pointing to her hammertoe.

Esther quietly demurred amid the usual pleasantries, and begged her leave. A minute later she was off to happen a 2nd opinion. Her 2nd opinion, an aged doctor who at least comprehended the surgery's possible significance to the woman, if not its urgency, did urge the surgery, and perfunctorily checked out Esther's Medicare coverage. "The surgery will be $1, 750," he informed her.

"That's not so much," she said, assuming it was entirely covered except for her co-pays.

"But Medicare will O.K. only about one-half of that, $825.00," he added.

"Oh," she said, with unhappiness suddenly re-encroaching upon her full being, including the deformed toe.

Fortunately, Esther's adjacent visit was to her Golden State wellness coverage agent, a valuable beginning of information on Medicare Addendum Coverage. The nice immature agent there had mentioned something called Medicare Addendum policies as a manner to stop up the distressing Medigaps.

A calendar month later, Esther was in the pool with the seniors, literally a new woman. A gentleman swimmer named Tony was looking at her ft when he noticed it. "Didn't you used to have got a hammertoe?" he remarked.

Esther Sirica flashed a large smile, her dental plates clicking.