How Medicare Supplement Insurance Work With Other Medicare Plans

​Medicare supplement insurance is created to help you pay out-of-pocket expenses that Part A and Part B (Original Medicare) cease to pay. It includes deductibles, copayments, and coinsurance.

​What if you have Medicare Advantage Plans and some other plans?
As stated above, Medicare Supplement insurance plans work with Original Medicare plans by paying the gaps in these coverages. Keep in mind that Medicare Supplement does not work with many other plans such as Medicaid, employer or union group health plan, TRICARE, stand-alone Medicare Prescription Drug plans, and PPOs or HMOs (Medicare Advantage plans).
 
In fact, an insurance company will be legally held responsible if they try to sell you Medicare Supplement insurance while you still have Medicaid and Medicare Advantage plans.
 
How Does It Work With Original Medicare Part A and B?
If you have these two plans, you can buy up to 10 Medicare Supplement plans, which are referred to as A to D, F to G and K to N. These plans can cover the following benefits:

• Medicare Part A deductible
• Part A coinsurance for hospital expenses
• Part A hospice care copayment and coinsurance
• Part B deductible
• Part B copayment and coinsurance
• Part B excess charges
• Foreign travel emergencies
• Coinsurance in skilled nursing facility care
• First 3 blood pints for a medical treatment

 
All Medicare plans differ in the benefits they cover and up to what extent. However, they cover the same thing regarding hospital costs and coinsurance of Medicare Part A.
 
For example, Medicare Supplement Plan L  covers 75% blood, and Plan K only covers blood at 50%. All other Plans cover it at 100%. Also, only Plan C and F cover Medicare Part B deductible.
 
Also, if you are hospitalized for a long time, your Medicare Supplement insurance can help cover the expenses. It typically covers up to one year after you have exhausted your Medicare benefits.
 
How About Other Insurance Policies?
Medicare Supplement Insurance generally does not work with other insurance plans. It does not cover private duty nursing, nursing home care, dental care, vision, eyeglasses, and hearing aids. You may opt to purchase additional coverage from a private insurer, and you must pay the entire amount.
 
If you are someone who frequently uses health care services, then it is best to buy Medicare Supplement plan. Contact an insurance agent to discuss the best options for you. At Berlin & Denys Insurance, we aim to provide comprehensive insurance policies that make your life easier. You can get more information about our products and services by calling our agency at (800) 946-3303. Get your free quote today by CLICKING HERE.