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Medicare Supplement Plans

How Medicare Supplement Policy Works?

When you purchase a Medicare Supplement policy you must already have enrolled in Medicare Part A and Part B. If you have Original Medicare and a Medicare Supplement policy, also referred to as the Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan (like an HMO or PPO) because those plans are ways to get Medicare benefits, while a Medigap policy only supplements the costs of your Original Medicare benefits. Note: Medicare doesn’t pay any of your costs for a Medigap policy, and the Medigap policy does not cover your spouse.

What Medicare Supplement Policy Doesn’t Cover?

  • Prescription Drugs
  • Coverage of spouse/domestic partner
  • Long term care such as stays in a nursing facility
  • Dental care
  • Vision care
  • Hearing aids and eyeglasses
  • Private duty nursing
Medicare Supplement does not cover medical healthcare if you’re travelling outside the U.S.

What Happens When You Drop Your Medicare Supplement Policy?

In case you drop your entire Medicare Supplement policy, you are required to do it timely depending upon whether you need a different Medicare Supplement policy or want to switch to a Medicare Advantage plan with prescription drug coverage. If you drop your entire Medicare Supplement policy, and it included drug coverage that wasn't creditable prescription drug coverage, or you go 63 days or more in a row before your new Medicare drug coverage begins, you may have to pay a late enrollment penalty when you join a new Medicare drug plan.