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Answered 2013-02-12 16:34:51

Original Medicare Part A and Part B has proven to be a lifesaver for many American seniors by providing coverage for health care services. Unfortunately, Medicare does not cover everything. Original Medicare requires enrolled individuals to participate in cost sharing through certain out-of-pocket expenses:


Copayment charges

Coinsurance requirements

Limits on how much Medicare will pay for certain expenses

Many low-income Americans can get help with such out-of-pocket expenses through Medicaid. For all other Medicare enrollees, Medicare Supplement plans were created by private insurers to help address these other health related costs.

Medigap supplements traditional Medicare Part A and B programs by covering many of these out-of-pocket costs, but it is not Medicare. Medicare Supplement plans are offered by private health insurance companies and regulated by the federal and state governments.

Private Medicare Supplement Providers. Medigap insurance policies are provided by insurance companies, not by the federal government.

Federal parameters. The federal government defines the Medigap plans that may be offered to Medicare enrollees. In most states the Medigap plans are standardized and range from Plan A to Plan N.

State approvals. Individual states must approve insurance companies who can sell Medigap plans in their states, as well as which plans can be offered to their residents.

Required Medigap Benefits

All Medicare Supplement plans must offer a basic set of coverage:

Coinsurance requirements on preventative care with Medicare Part B. Coinsurance is typically a percentage of the fees charged for service, supplies or care. All Medigap plans cover this coinsurance, with some limits based on plan options.

Coinsurance on hospital stay with Medicare Part A. All Medicare Supplement plans cover the coinsurance on hospital costs, up to an additional 365 days after Medicare hospital benefits have run out. This is especially useful for lengthy hospitalization.


Copayment or coinsurance on Medicare Part B. Medigap plans cover 50 to 100 percent of copayment and coinsurance requirements on Medicare Part B.

Copayment or coinsurance on Medicare Part A hospice care.Medigap plans cover 50 to 100 percent of copayment and coinsurance requirements on Medicare Part A hospice care expenses.

Blood. Most hospitals get their blood at no cost from subsidized blood banks. However, if a hospital has to purchase additional blood for you, it will charge you for that blood. Medigap plans cover up to 100 percent of the cost for the first three pints of blood.

If you live in Massachusetts, Minnesota, or Wisconsin, the Medigap policies are different.

Additional Medigap Benefits Available

In addition to the required benefits listed above, the various Medicare Supplement plans available offer some or all of the following benefits:

Skill Nursing Facility Care Coinsurance

Medicare Part A Deductible

Medicare Part B Deductible

Medicare Part B Excess Charges

Foreign Travel Emergency (up to plan limits)

If you live in Massachusetts, Minnesota, or Wisconsin, the Medigap policies are different.

Important Medigap Considerations

As you start shopping for Medicare Supplement plans, here are a few issues you need to keep in mind:


Only One: A Medigap policy only covers one individual, which means that if you and your spouse need coverage, you will each need to purchase a policy.

Premiums: Since you must have Medicare Parts A and B to qualify for a Medigap policy, you will have to pay monthly premiums for Part B to Medicare and monthly premiums for your Medigap policy to your private insurer


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It's the provider's office responsibility to forward the bills to the correct insurance for payment. When using Medicare along with a Medicare Supplement, you'll show both your Medicare Card and your Supplement insurance company's card at time of payment. The provider's office will bill each card accordingly.

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Prescription plans can be used as a supplement to Medicare. There are medications that are not covered by medicare that a prescription plan can be used as an alternative way to receive them.

Medicare supplements are private insurance plans.

Medicare supplement insurance, sometimes called Medigap, helps cover some of the costs not covered by Medicare. It is purchased from private insurance companies and is different from the Medicare Advantage Plan.

Medicare supplement pays part or all of your deductibles and copays that you have with Medicare parts A and B. A "Medicare replacement" is actually Medicare advantage. They are a Medicare option that combines your Part A, B and sometimes part D into one plan that is administered by a Medicare contracted insurance company. Many of these plans have very low or even 0 monthly premiums. You still have copays but they are generally much less than Original Medicare. (If this question relates to United States Medicare, there is no such thing as the concept of "Medicare replacement." I do not see anywhere to add an alternative answer so I put this here just as a warning. In the United States you are either on Medicare or you are not. If you are on Medicare in the United States, you will almost certainly feel the need to supplement it. Over 95% of the people on United States Medicare supplement it in some way. There is a wide choice of ways to supplement United States Medicare. The answer above describes only two of them.

There are a few benefits to purchasing a Humana Medicare supplement. Humana is a good supplement because it is very worthwhile in one's old age as it provides thorough coverage.

Please explain your question more thoroughly if my answer does not suffice. I am unsure of what you mean by Medicare Carve Out Coverage. You can buy a Medicare Supplement at any time once you have received your Medicare Part A and Part B. If you do not enroll within 6 months of your Part B effective date you would be subject to underwriting. You can not join a Medicare Supplement if you already have a Medicare Advantage Plan as this is not allowed by Centers for Medicare. You would be required to drop your Medicare Advantage Plan prior to the Medicare Supplement effective date. If you had coverage through an employer, you would not need Medicare Supplement coverage as your employer coverage would be primary and then Medicare would be secondary for your out-of-pocket costs covered by Medicare.

AARP Medicare Supplement Insurance picks up the Medicare deductible.

Yes, there are doctors in California that accept medicare supplement insurance. You can see a list of them at

Medicare is withheld from virtually all earnings.

Medicare is medical insurance that the government provides at age 65- but it does NOT cover all medical expenses. A Medicare Supplement plan is additional insurance that you buy from a private company that will cover the medical expenses that Medicare does not cover.

If you already have Medicare Part A and are enrolled in Medicare Part B, you can get a Medicare Supplement. When it comes to having insurance at work, take a look page 16 in the 2009 Medigap Book:

ZERO! Don't confuse Medicare Advantage with Medicare Supplemental Insurance. It's like confusing the dog with it's terd.

medicare does not covere preventative. you need a HMO/PPO policy or a supplement

Medicare Supplement leads are information packets purchased from companies that give information about patients that will soon be eligible for Medicare. These companies track personal data about individuals and then sell them to interested insurance companies.

Yes, Medicare Supplement Insurance covers dependents and children up to the age of fifteen according to their guidelines which are listed on their website.

With medicare can I have two supplement health insurance

There are dozens of Medicare supplement insurance companies to choose from. AARP, Colonial Penn Life, and Gerber Life Insurance are just a few of the more popular companies.

You will bill medicare as primary and the supplement secondary. Usually if filing a HCFA 1500 electronically if the supplemental policy is on the beneficiaries Common Working File with Medicare it will automatically crossover to the supplemental policy. Hope this helps....

Are you on Medicare? If so, you can look into a Medicare Supplement or a Medicare Advantage Plan with BlueCross BlueShield of your state of residence.

No it is not. Medicare Part C plans otherwise known as Medicare Advantage Plans are private insurers that maintain a contract with Medicare to provide Medical Coverage and/or Prescription Drug Coverage plus in some cases added benefits not usually covered by Medicare (like dental, vision, etc) Medicare Supplement plans which have been standardized into various benefit plans labeled from A-N work in conjuction with Original Medicare and provide supplement coverage for costs that are normally the responsibility of the beneficiary. For more information on Medicare Supplement plan types, go to the publication 'Choosing a Medigap Policy, page 9:

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