Call now : (866) 991-7189

  • Facebook
  • Twitter
  • Google
Adams Insurance Services, LLC | Insurance Broker
  • Home
  • About
    • Testimonials
  • Medicare
    • Medicare Advantage
    • Medicare Part D
    • Medicare Supplement
  • Health
    • Vision
    • Dental
    • Care & Indemnity
  • Life
    • Final Expense
  • Blog
  • Contact
    • Get A Quote
Select Page

How Does Medicare Supplemental Work?

by admin | Jul 12, 2016 | Medicare Supplemental | 0 comments

How Does Medicare Supplemental Work?

When you turn 65, you become eligible for Medicare Parts A and B, also known as Original Medicare. Part A is automatically provided by the government and Part B is provided only if you have been paying Social Security at the time of eligibility. However, Medicare Parts A and B do not cover everything required for your health. This is why many people look at additional Medicare plans to cover the extra costs, such as Medicare Supplemental. But how does Medicare Supplemental work?

How Does Medicare Supplemental Work

How Does Medicare Supplemental Work?

Medicare Supplemental, also known as Medigap, is not provided by the federal government. Instead, private companies help those eligible for Medicare select one of the ten different Medicare Supplemental plans available that would best fit their needs. In general, Medicare Supplemental will provide additional coverage options for those with Medicare Parts A and B, such as:

  • Coverage for End-Stage Renal Disease (ERSD) for people of any age.
  • An additional 365 days of hospital care during your lifetime in addition the Original Medicare lifetime reserve.
  • Care available anywhere in the US with some emergency care available outside of the US.

Depending on your state, certain Medicare Supplemental plans will not be available. Enrollment begins the month of your 65th birthday and is available for five months following your birthday. Costs could increase for Medicare Supplemental if you do not enroll during this period. You may also be denied coverage or receive a delay in getting coverage for an existing illness if you enroll in Medicare Supplemental after this enrollment period. Certain Medicare Supplemental plans will also help pay for your Part B deductible.

What Do Medigap Plans NOT Cover?

Part of asking, “How does Medicare Supplemental work?” is understanding what Medigap does not cover. The coverage limitations for Medicare Supplemental depend on which of the ten plans you choose. However, the general limitations of Medigap include:

  • Days beyond the 100 days covered by Part A and B in skilled nursing facilities
  • Eyeglasses
  • Hearing aids
  • Private nursing
  • Routine vision, dental, and hearing care

How Much Does Medicare Supplemental Cost?

The cost of Medicare Supplemental plans depends on which of the ten plans you choose. The more comprehensive your plan’s coverage is, the higher the premium will be. There are some high deductible plans with Medicare Supplemental options. Additionally, you could have to pay Part B copays for doctor appointments and emergency room trips. There is coinsurance available to split the costs until you reach the out-of-pocket limit on certain Medigap plans. Medicare Supplemental plans will automatically renew each year when you pay your premium on time and your information remains correct. You have the option to drop your policy at any time to apply for another Medigap plan as well.

Interested in enrolling in a Medicare Supplemental plan? Visit our Medicare Supplemental page to get more details on Medigap as well as view the Medicare providers that Adams Insurance currently works with.

Submit a Comment Cancel reply

Your email address will not be published. Required fields are marked *

Recent Posts

  • Medicare Part D Enrollment
  • When to Enroll in Medicare? Now!
  • How to Decide Between Medicare Insurance Plans
  • Who is Eligible for Medicare?
  • Everything You Need to Know About Medicare Open Enrollment

Recent Comments

    Archives

    • November 2016
    • October 2016
    • September 2016
    • August 2016
    • July 2016
    • June 2016

    Categories

    • Diet and Nutrition
    • Health & Fitness
    • Holidays
    • Life Insurance
    • Medicare
    • Medicare News
    • Medicare Open Enrollment
    • Medicare Part D
    • Medicare Supplemental
    • Retirement

    Meta

    • Log in
    • Entries feed
    • Comments feed
    • WordPress.org

    About Us

    Adams Insurance Services, LLC, started by Jeffrey Adams, have been in business since 2008 and was founded to provide exceptional customer service in helping people navigate the very confusing senior healthcare industry.

    Quick Links

    • Home
    • About
      • Testimonials
    • Medicare
    • UHC Benefits
    • Blog
    • Contact

    Contact

    Adams Insurance Services LLC
    521 N Jefferson St
    Raymore, Missouri 64083
    Toll Free & Fax: 866-991-7189
    Contact Us by: Email

    Hours of Operation

    Mon – Fri: 9AM – 5PM
    Sat – Sun Closed
    • Facebook
    • Twitter
    • Google

    Copyright © 2022. All Rights Reserved. Website by Digital Marketing Inc.