Medicare or also known as Medigap is a type of supplement for insurance that covers gaps that are not included in the patient or individual’s current Medicare subscription. This supplement is being offered in different health benefits that has the role to offset any medication or healthcare costs that are not part of the original policy.
Two Important Parts of Medicare Supplements
The Medicare Supplements have two parts – Part A and Part B. Part A covers all hospital services while Part B answers to other medical costs and expenses. The majority of hospitals accepts Medicare so any subscriber can use it for any medical institutions that have accredited Medicare.
Medicare Part A is said to cover hospital services such as:
In-patient hospital needs
Medicare Part B covers hospital expenses and other medical needs that also include:
Medicare also has an additional coverage option – Medicare Part D. The said addition covers prescription drugs that are needed by the patient. The supplement pays for any medicine prescribed by a physician either generic or under a brand name.
Any subscriber can add Medicare Part D to have them covered, or they can apply it as a stand-alone coverage to keep them covered by any unexpected or currently prescribed medicines. Some insurance companies accredited by Medicare offers Part D.
If an individual is subscribed to Part A and Part B, he is eligible for Medicare Part C also known as the Medicare Advantage Plan. This plan option can depend or vary on the location of the insurance owner.
What Medicare Supplements Do Not Cover
Now that the different coverages of Medicare Supplements guide you, it is also advantageous to know what it does not cover:
There are several payment options you can practice for Medicare. These options are premiums, deductibles, copayment, or coinsurance. At Berlin & Denys Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. To learn more about how we can help you, please contact our agency at (800) 946-3303 or Click Here to request a free quote.