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Medicare Supplements, also known as Medigap, are plans provided by private insurance companies that you can purchase to help fill “gap” in healthcare costs that Meidcare does not cover. These can be deductibls, copays, coinsurance, etc. For example, Part A deductible. The Medicare Part A deductible is $1,632, which must be paid before Medicare pays anything. Medicare Supplement plans could pay a portion, or even all, of the Part A deductible for you.
The great thing about Medigap plans is that they are all regulated and standardized and must provide the same benefits. For instance, a Medigap Plan G with Carrier A and Medigap Plan G with Carrier B must pay for the same services. When you are seen by a doctor, you never show your Medigap ID card. You present your Medicare Health Insurance card for billing and that doctor bills Medicare, who then bill your Supplement Plan to pay the portion that the supplement is required to pay.
After Medicare pays it’s share of Medicare-Approved amount for covered health care cost, the Medigap policy will pay it’s share. Some Medigap policies cover additional cost that Original Medicare does not, such as medical care received while traveling outside of the U.S. See the Medigap Plan Comparison Chart below for a complete breakdown.
With a Medicare Supplement plan, you will not be constrained by a network. You can be seen by any doctor, be treated at any facility, as long as they accept Medicare. Your Medicare Suuplement works together with your Medicare, so if the Doctor accepts Medicare, they accept your Medicare Supplement.
It is important to remember that if you use a doctor that does not accept Medicare, that doctor is allowed to charge up to 15 percent more for their services. Medicare Supplements Plan F, High Deductible F, and Plan G completely cover those charges, but you may have to pay the cost yourself if you have any other supplement plan.