Medigap Plans Under Siege!

People on Medicare with supplementary insurance, known as Medigap, need to know that many in Congress are proposing that changes be made to their plans as part of a deficit reduction package.

The premise of the proposed changes is that those with Medigap coverage are more likely to use their Medicare benefits. Therefore, higher deductibles and co-pays will discourage unnecessary medical care.

This is an argument that is also sometimes made regarding standard health insurance. “If more people had high deductible health plans they would use less coverage”. This is true. However, it does absolutely nothing to address the underlying problem in Medicare, which is the high cost of health care. Putting seniors into situations where they will be less vigilant in pursuing care will only lead to more severe issues that cost more money. “A stitch in time saves nine.”

People have purchased Medigap coverage to be responsible – they wanted to have predictable health care costs at an age when incomes are largely fixed. In my opinion, that sort of prudence should be celebrated in America – not punished.

To learn more, go to

Jason Hillner


About tennesseelongtermcare

Long term care is a risk we all face, regardless of age. Need may result from an accident, a serious health condition or as part of the aging process. The consequences to our physical, financial and emotional well-being can be catastrophic if we postpone planning until after the need for care arises. After all, our health is ever only as good as it is today. Long term care coverage provides a vehicle to guarantee your family an income stream and to maintain lifestyle in the event you have an extended care need. It is vital protection for your family’s personal, emotional and financial well-being. Lindsey & Associates is the Chattanooga area's premiere source for long term care insurance planning. Serving Chattanooga for nearly fifteen years, Lindsey & Associates was founded by Gail R. Lindsey, M.S., CLTC who sought to be an effective advocate for families with extended care needs after a successful career as a therapist. Lindsey & Associates is unique in that their planners are specialists in long term care insurance and approach their work from a perspective of education and advocacy, not the "bottom line". If you feel that you owe it to your family to hear all the options when it comes to your future care, we would encourage you to contact one of our LTC planners. We meet with individuals and families to find the most cost-effective way for them to age in place, at home, with the dignity and care they have earned over a lifetime of hard work.

Posted on July 22, 2011, in In the news... and tagged , , . Bookmark the permalink. Leave a comment.

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