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MEDICARE SUPPLEMENTS

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How do Medicare Supplements work?

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Medicare Supplement plans, also known as Medigap policies, are issued by private companies and pay secondary to Medicare. 

 

In other words, you show two cards at the doctor or hospital - Original Medicare card and a Supplement card.

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Plans range from A-N, with varying benefit structures.  Generally speaking, if Medicare pays first, the supplement will pay second, though most plans do have a deductible and some also have coinsurance or copays.

 

Supplements generally do not include extra benefits like dental and vision. 

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Premiums vary between carriers and plans, typically $100-$300 per month.

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Things to Consider

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  • Is my doctor willing to bill Original Medicare as primary?

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  • Do I travel outside of my resident area for extended periods of time?​

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  • Am I eligible for other coverage such as Tricare, VA, or an employer group plan?

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  • Is the monthly premium within my budget?

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  • Do I feel comfortable with some cost-share like copays?

1 Plan pays Part B coinsurance or copayment except for an insured copay of up to $20 for each doctor's office visit and up to $50 for each emergency room visit (emergency room copay waived if admitted as inpatient).

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2 Benefit is 80% after the $250 annual deductible with a $50,000 lifetime maximum for Foreign Emergency Care that begins during the first 60 days of a trip period.

 

3 The plan pays 100 percent of covered services for the rest of the calendar year once beneficiaries have paid the out-of-pocket annual limit and annual Part B deductible ($240 in 2024).

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