What Are Medicare Supplements
- Medicare Supplements (Medigap) offered by insurance companies only supplement Medicare by filling in the gaps in Medicare that you would have to pay (deductibles, coinsurance, and copays). Medicare Supplements are considered your secondary coverage.
- With Medicare, you have nationwide coverage for doctors and hospitals – you can use it anywhere in the United States. If a doctor or hospital accepts Medicare, they will also take your Medicare Supplement, regardless of which company provides the coverage.
- Medicare only covers 80% of doctor office visits, outpatient medical services and treatments, leaving 20% coinsurance. Medicare Supplements cover the 20% coinsurance. Medicare has a sizeable deductible of $1,556 for inpatient hospital care and expensive daily copays. Medicare Supplements cover the deductible and the daily copays.
- Between Medicare and your Supplement, you will know what is covered and your costs for every medical service and treatment, leaving you with low, predictable medical expenses.