Medicare Supplement plans (also know as Medigap) pay claims along with Original Medicare. When you are covered by a Medicare Supplement plan, Medicare pays the claim first, once Medicare approves the claim, your Medicare Supplement plan then pays. Medicare Supplements do allow you to use any provider in the United States that accepts Medicare and referrals are not required.
The current Medicare Supplement Plans available to all Medicare recepients are A, B, D, G, K, L, M and N. If you were first eligible for Medicare before 2020, Plans C and F are also available. Not all insurance companies offer all plans.
Medicare Supplement plans no longer include prescription drug coverage. In order to avoid the Late Enrollment Penalty in regards to Medicare Part D, you should also have a separate Prescription Drug Plan.
To determine whether a Medicare Supplement plan is right for you. Click here to contact me or give me a call at (458) 205-8398.