What is a Medicare Supplement Plan?
A Medicare Supplement Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.
Medicare Supplement Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.
If you're enrolled in a Medicare Supplement Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare.
Most Medicare Supplement Plans also offer prescription drug coverage.
What do Medicare Supplement Plans cover?
Medicare Supplement Plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you're in a Medicare Supplement Plan. In all types of Medicare Supplement Plans, you're always covered for emergency and urgently needed care.
Medicare Supplement Plans may offer extra coverage, like vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D). In addition to your Part B premium, you usually pay a monthly premium for the Medicare Supplement Plan.
You can also ask the plan for a written advance coverage decision to make sure a service is medically necessary and will be covered. If the plan won't pay for a service you think you need, you'll have to pay all of the costs if you didn't ask for an advance coverage decision.
Contact us to learn more about the right Medicare Supplement plan for you.
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