If retirement is two years or less away, this would be a good time to start thinking about your post-retirement health expenses.  There are gaps in Medicare coverage that most Americans don’t even know about until it’s too late and they’re forced to pay out of their own pockets for expenses they assumed would be covered.  You’ll want to know ahead of time what these gaps are, how often they’ll affect you, and if the resulting expense is something you are comfortable with.
 
For example, Medicare requires you meet certain deductibles before coverage begins, and you will need to pay sizeable co-payments for many types of medical treatments.  On top of that, traditional Medicare does not offer a prescription drug benefit.

A growing number of Americans are finding these deficiencies to be too great a burden and are purchasing a supplemental health insurance policy called Medigap.  Medigap, true to its name, fills the gaps in your Medicare coverage at a price that is easy for most retirees to budget.  Medigap policies are sold through private insurance companies and can be found through licensed independent agents such as InsureMeOnline.com, but they are also standardized and regulated by state and federal law.

There are ten standard Medigap plans, each of which must cover certain specified services. These Medigap policies range in their coverage from most to all of your Medicare coinsurance amounts. Some policies additionally provide coverage for deductibles and services that are not covered by Medicare, such as prescription drugs and preventive care.

Because Medigap policies are standardized, once you’ve chosen from among the 10 standard plans, you don’t need to compare how various insurance companies package that plan. You will want to compare for price, however. You may also want to comparison shop the insurance companies themselves — check their A.M. Best ratings and talk to their customer service departments to see if you like how they treat you.  Remember, an insurance policy is only as good as the company behind it.
InsureMeOnline.com can help, and best time to get started is now.