Priscilla Wright

(657) 205-1081

What is a Medicare Supplement?


What is a Medicare Supplement? A Medicare supplement is a type of health insurance sold by private insurers to cover the gaps in Medicare. This is what we refer to the plans as “Medigap Plans.”

Here’s an easy way to think of a Medicare supplement. Picture it as a card that sort of bolts onto the back of your Original Medicare. It serves to pay for the costs that normally Medicare would pass on to you. Medicare has gaps, like coinsurance, copayments, and deductibles. You must pay for these when accessing medically-approved services.

If you have a supplement policy, Medicare will first pay its share of your medical expenses. Then your policy will step in and pay its share. This is usually the remainder of your bill. However, it depends on which policy you choose from the standard offered plans.

What is Not Covered by Medicare Supplement Plans?

Medicare supplements only pay after Medicare has first paid its share. If Medicare approves a claim and pays the part that Medicare owes, it will forward the remainder of the bill to your Medicare Supplement.

Some things that are not covered by Medicare or your Medicare Supplement are:
•Routine dental, vision and hearing exams
•Hearing aids
•Eyeglasses or contacts
•Long-term care or custodial care
•Retail prescription drugs

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