Medicare supplement insurance policies, marketed through private companies, can help cover much of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, deductibles, and other out-of-pocket costs. A Medicare Advantage Plan is not the same as Medigap insurance policies. Medicare supplement insurance policies pay the expenses not covered by original Medicare benefits, while Medicare Advantage Plans are different ways to obtain Medicare benefits and are not guaranteed to renew each year. A few Medigap policies cover services that Original Medicare doesn't cover, like medical care when traveling outside of the U.S. When you have Medicare and you buy a Medicare supplement policy, Medicare pays its share of the Medicare-approved costs for the insured health care expense, and then the Medigap policy pays its share.
Seven facts about Medicare supplemental policies
1. Any insurance company that is licensed to sell insurance in your state can sell you a Medicare supplement policy.
2. In addition to the monthly Part B premium that for most comes out of your Social Security you have to pay a monthly premium to a private insurance company for your Medigap insurance.
3. Insurance companies cannot terminate your Medicare supplement policy so long as you pay the premium. All standardized Medigap plans are guaranteed renewable even if you currently have health issues.
4. If you are on a Medicare Advantage Plan, it is possible to sign up for a Medigap insurance policy, but make sure to end the Medicare Advantage Plan before your Medigap policy starts.
5. If you want insurance for prescription drugs you can join a Medicare Part D plan. Some Medigap plans sold in the past have had some sort of prescription drug coverage, but Medigap insurance policies sold after January of 2006 aren't allowed to have prescription drug coverage.
6. If you have Medicare Medical Savings Account (MSA) plan it is illegal for an insurance company to sell you a Medicare supplement policy.
7. A Medigap plan can only cover one person. If you and your spouse want Medigap coverage, you'll both have to purchase separate Medicare supplement insurance plans.
Click here if you want to find out more about purchasing a Medicare supplement plan or visit http://medicare-supplement.biz
is about an elementary school student with attention-deficit disorder. Joey tries very, very hard to follow the rules, but between his disorder and his vivid imagination, he finds staying out of trouble to be quite difficult (often with humorous results). The author of the Joey Pigza books, Jack Gantos, does a phenomenal job of reaching into Joey’s head and 
is a coming of age story about a boy of nearly eighteen who is facing many challenges in his life. He is no angel, but he is not the bad boy everyone seems to believe he is. His home life is troubled, and his future is uncertain. When he is falsely accused of a crime that could very well send him to prison, he loses hope and seriously contemplates