Covering What Medicare Doesn’t
Medicare Supplement1 Insurance Policies are "Medigap" policies that can help pay your
share of covered out-of-pocket expenses not covered by Medicare. Medicare Supplement Insurance Policies offer you
coverage on your deductible,
copays and outpatient services, all for an affordable monthly
Medicare Supplement Insurance Policies give you the freedom choose your doctors and hospitals.
How Do Medicare Supplement Policies Work?
A Medicare Supplement Insurance ("Medigap") policy is private health insurance that is designed to supplement
Original Medicare. This means it helps pay some of the healthcare
costs that Original Medicare doesn’t cover (like copays, coinsurance,
If you have Original Medicare and a Medicare Supplement policy, Medicare will pay its share of the Medicare
approved amounts for covered health care costs. Then your Medicare Supplement policy pays its share.
Generally, Medicare Supplement policies don't cover long-term care (like care in a nursing home), vision or
dental care, hearing aids, eyeglasses, and private-duty nursing.
It is important to know: insurance companies generally can't sell you a Medicare Supplement policy if you
have coverage through Medicaid or a Medicare Advantage Plan.
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1Not connected with or endorsed by the U.S. Government or the Federal Medicare Program.
A dollar amount or percentage that policyholders pay when their plan does not cover 100% of the cost of their medical care.
A dollar amount that policyholders may be required to pay out-of-pocket before the plan begins to provide coverage.
The amount that an individual must pay to a health or life insurance company for coverage.
Insurance coverage provided by the U.S. Government. Part A is hospital insurance. Part B is medical insurance.
Beneficiaries have their choice of doctors, hospitals and other providers and usually pay a monthly premium
for Part B.
A percentage of the cost policyholders pay out-of-pocket when their plans do not cover 100% of the cost. For
example, a plan may cover 80% of the cost of policyholders' treatment; the policyholders would then be
responsible for the other 20% "coinsurance".