Medicare Supplements

Medicare Supplements Cover Deductibles, Coinsurance and Copays

Medicare Part A (Hospital)

  • The Medicare deductible for hospital inpatient care is $1,484
  • Medicare Part A has expensive daily copays
  • Medicare Supplements cover the hospital deductible and the daily copays


Medicare Part B (Medical) 

  • Medicare Part B is referred to as outpatient coverage
  • Medicare Part B only pays 80% of approved costs of covered services, and you pay the other 20%
  • Medicare Supplements cover 20% of Medicare Part B approved services

Medicare Supplement Benefits

  1. Freedom to choose your doctors and hospitals
  2. No referrals are required to see a specialist
  3. Low, predictable out-of-pocket costs for Medicare-covered services
  4. Nationwide coverage – you can use it anywhere in the United States
  5. Guaranteed renewability – the insurance company can never drop you or change your coverage due to health conditions
  6. Between Medicare and your Supplement, you will know exactly what is covered and what your costs will be for every inpatient or outpatient procedure

Medicare Supplements pay after Medicare approves the claim and pays its share of your claim. Medigap insurance fills in the gaps in Medicare that you would have to pay (deductibles, coinsurance, and copays). You can use your Medicare Supplement plan at any doctor or hospital in the nation that accepts Medicare. You are fully covered when you travel anywhere in the U.S.

Some other things to know about Medicare Supplement insurance:

  • You must enroll in Part A and Part B to buy a Medigap policy
  • Medicare Supplement plans cover only one person. Your spouse must have their own policy
  • You can drop your supplement at any time. You can apply for a supplement any time during the year
  • The Annual Election Period (Oct 15—Dec 7) is for drug plans. It does not apply to Medicare Supplements
  • Many carriers offer household discounts if husband and wife enroll in a Medigap plan with the same company
  • Medicare Supplements do not include Part D prescription drug coverage, so you’ll need to add a separate Part D drug plan

How Do I Compare Medicare Supplement Plans?

The chart below shows basic information about the different benefits that Medicare Supplement Insurance plans cover for 2021. When the percentage is less than 100% for the Medigap plan, you are responsible for the rest. The three most popular Medigap plans are Plan F, Plan G, and Plan N.

*Plan N pays 100% of the Part B coinsurance. There is a copayment of up to $20 for some office visits and a $50 copayment for emergency room visits that don’t result in an inpatient hospital admission.

This chart is provided by the Centers for Medicare and Medicaid Services 2021 handbook.

Will My Doctor Accept My Medicare Supplement?

The answer to this question is whether your doctor accepts Medicare. If a doctor or hospital accepts Medicare, they will also take your Medicare Supplement, regardless of which company provides the coverage. If a doctor won’t accept a Medicare Supplement Plan, it is most likely due to the person at the doctor’s office mistakingly thinking you have a Medicare Advantage plan instead of a Medicare Supplement plan. Medicare Advantage Plans have their own networks and are usually PPOs or HMOs. Explain to the person at the doctor’s office that your primary insurance is Medicare, and your supplemental coverage is with XYZ insurance company.

Don’t Miss This Opportunity

The best time to enroll in a Medicare Supplement is during your Open Enrollment Period. When you first enroll in Medicare Part B at age 65 or older, you have six months to enroll in a Medicare Supplement without answering any health questions. Your acceptance is guaranteed, and pre-existing health conditions receive full coverage immediately. When your Open Enrollment Period ends, you can apply for a Medicare Supplement later at any time, but you will have to answer all health questions on the application. The insurance company could decline your application if you answer yes to any of the health questions. In other words, you have a pre-existing health condition the insurance company does not want to cover. You only get one opportunity to enroll in a Medigap plan without having to go through medical underwriting. Don’t miss this one opportunity to enroll in the Medicare Supplement plan of your choice regardless of health conditions. Get expert advice at no cost or obligation. Call me today at 205-290-8648 and let me make the process of selecting a  Medicare Supplement easy and uncomplicated.