Medicare Supplement Plans

You Deserve the Best Care Available
Home - - Medicare Supplement Plans

Medicare Supplement Plans

Medigap or Medical Supplement Plans help in filling the gaps in the Original Medicare. They are sold by private companies. Original Medicare offers help with a considerable part of the covered health care supplies and services, but not all of it.

A Medicare Supplement Plan (Medigap) can help the user to pay some of the remaining health care costs like:

  • Copayments
  • Coinsurance
  • Deductibles

Some of Medigap’s policies also cover services like medical care facilities when a user travels outside the United States. This was not covered under the Original Medicare. In case you already have the Original Medicare and buy a Medicare supplement plan, here is what will happen:

  • Medicare will offer its share of the payment that is initially approved by Medicare for covering healthcare costs.
  • After this, Medigap policy offers its share of money to be paid.

What do Medigap Policies not Cover?

  • Long term care
  • Vision
  • Dental care
  • Hearing aids
  • Eyeglasses
  • Private duty nursing

Things to Know About Medigap Policies

  • The user must have both Medicare Part A and Medicare Part B.
  • A Medigap policy is not the same as a Medicare Advantage Plan. Medigap only supplements the original Medicare benefits.
  • The user has to pay the private insurance company a fixed amount of money towards the premium for the Medigap Policy.
  • A Medicare Supplement Plan covers only people. If you and your spouse are looking for these supplement plans, you should pay for 2 of them.
  • You can purchase a Medigap policy from any insurance company that is licensed by the state you reside in.
  • It is illegal for anybody to sell you a Medicare Supplement Plan if you already have a Medicare Advantage Plan in place. However, if you switch back to Original Medicare, it is legal in such a scenario.