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As individuals reach the age of 65, they become eligible for Medicare, a federal health insurance program that covers many of their healthcare needs. However, Medicare only covers about 80% of healthcare costs, leaving individuals to pay the remaining 20%. To address this gap in coverage, private insurance companies offer Medicare supplement plans, also known as Medigap plans. These plans are designed to work alongside Medicare to cover the costs that Medicare does not. In this article, we will explore five of the best Medicare supplement plans and the positive benefits they offer.

1. Comprehensive Coverage
One of the biggest benefits of Medicare supplement plans is the comprehensive coverage they offer. These plans cover many of the out-of-pocket costs that Medicare does not, including deductibles, coinsurance, and copayments. This means that individuals with Medicare supplement plans face fewer or no out-of-pocket costs when they receive healthcare services. This comprehensive coverage not only provides financial peace of mind but also ensures that individuals have access to the healthcare they need without worrying about the cost.

2. Freedom to Choose Any Doctor or Hospital
Unlike Medicare Advantage plans, which often have provider networks, Medicare supplement plans allow individuals to visit any doctor or hospital that accepts Medicare. This gives individuals the freedom to choose the healthcare providers they are most comfortable with and trust. It also ensures that they can continue to see their current doctors and specialists without being restricted by a network.

3. Guaranteed Renewable
Medicare supplement plans are guaranteed renewable, meaning that insurance companies cannot cancel or terminate the plan as long as the premiums are paid on time. This gives individuals peace of mind knowing that their coverage will remain in effect as long as they need it. It also protects individuals from being denied coverage due to their health status.

4. Cost Savings
Another significant benefit of Medicare supplement plans is the potential for cost savings. As mentioned earlier, Medicare only covers around 80% of healthcare costs, leaving individuals to pay the remaining 20%. With a Medicare supplement plan, individuals can have more predictable healthcare costs and potentially save money in the long run. This is especially beneficial for individuals on a fixed income, as they can budget for their healthcare expenses more effectively.

5. Access to Additional Benefits
Some Medicare supplement plans also offer additional benefits, such as coverage for prescription drugs, vision, and dental care. These extra benefits may not be covered by Medicare, so having a supplement plan can provide individuals with a more comprehensive healthcare package. This is particularly beneficial for individuals with chronic health conditions who require ongoing medication and regular vision and dental care.

In conclusion, Medicare supplement plans offer a wide range of positive benefits for individuals with Medicare. From comprehensive coverage and the freedom to choose any doctor or hospital to cost savings and access to additional benefits, these plans provide a valuable safety net for healthcare costs. As such, individuals who are eligible for Medicare should carefully consider their options and select a plan that best suits their needs and budget. Consulting with a trusted insurance agent can also help individuals make an informed decision about which Medicare supplement plan is right for them. <|endoftext|>19th-Century New Zealand

The 19th century in New Zealand was a time of significant change and development, as the country underwent rapid political, social, and economic growth. This period saw the arrival of European settlers, the signing of the Treaty of Waitangi, and the formation of a modern nation-state.

European settlement in New Zealand began in the early 1800s, with the arrival of whalers, traders, and missionaries. The first British settlement was established in 1814 at Rangihoua in the Bay of Islands. In 1839, the New Zealand Company was formed with the goal of promoting British settlement in the country. This led to the founding of many new settlements, particularly in the North Island, as British colonists sought to claim land and establish farms.

In 1840, the Treaty of Waitangi was signed between the British Crown and over 500 Māori chiefs, establishing British sovereignty over New Zealand and giving Māori the rights of British subjects. However, the interpretation and implementation of the treaty continues to be a point of contention between Māori and the New Zealand government to this day.

In the mid-19th century, the New Zealand Wars erupted as Māori tribes fought against the encroaching British settlers and the government's attempts to acquire Māori land. These conflicts resulted in significant loss of life on both sides and the confiscation of large amounts of Māori land.

The discovery of gold in the 1860s brought a new wave of European settlers to New Zealand, particularly in the South Island. This led to a period of economic growth and development, as well as increased tensions between Māori and settlers over land rights and resources.

In 1852, New Zealand became a self-governing colony with the passing of the New Zealand Constitution Act. This allowed for the establishment of a colonial