Medicare Supplement Plan

What is Medicare Supplement Plan?

Are health insurance policies that limit the amount you’ll pay for medical services once you are on Medicare. As you may know, both Medicare Part A and Part B have deductibles and other costs that you pay and don’t have an out-of-pocket maximum. Because of this, you will want to find a plan that works for you now and into the future.

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Advantage of Medicare Supplement Plan

With Original Medicare, you pay the deductibles, copays, and 20% for services you receive from doctors. Medicare Supplement plans can pay some or all of these costs for you. They “supplement” or fill the “gaps” in Original Medicare. If Medicare doesn't cover the service, then generally your Medicare Supplement plan doesn't cover the costs either and you would pay for those services yourself.

Medicare Supplement or Medigap policies are designed to pay your costs related to Original Medicare. Depending on the plan you choose, they could pay the Part A hospital deductible, the Part B deductible, and the 20% coinsurance that you are responsible for, as well as other out-of-pocket costs.

Con el Medicare Original, usted paga los deducibles, copagos y el 20% por los servicios que recibe de los médicos. Los planes suplementarios de Medicare pueden pagar algunos o todos estos costos por usted. Ellos “complementan” o llenan los “vacíos” del Medicare Original. Si Medicare no cubre el servicio, en general su plan suplementario tampoco lo cubre y usted pagaría por esos servicios.

Las pólizas de Medicare Suplementario o Medigap están diseñadas para pagar sus costos relacionados con el Medicare Original. Según el plan que elija, podrían pagar el deducible hospitalario de la Parte A, el deducible de la Parte B y el 20% del coseguro del que usted es responsable, así como otros costos de bolsillo.