what exactly is medicare supplement health insurance plan ?



is it like combining your standard medicare plan with some private insurance ? is it ok to do that ? If i do so will I get a new card from the private insurance company ? will my standard medicare card will be useless then ?
thanks guys,, but i am wondering which will be my primary insurance then… mcr or the private insurance company ?

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  1. medicare does not cover everything.
    the medicare supplement plans, are insurance programs that pick up where medicare doesn’t cover you.
    If you are on medicare, it’s strongly suggested that you also have a supplement plan

    Yes you will get a new card with the supplement plan. You will use this with the regular medicare card when you get treatment.


  2. Yes, it is. Medicare reimburses your doctor or provider only about 65-80% of the billed charges. People purchase a Medicare supplemental plan from an insurance company to cover the unpaid portion that Medicare does not pay for. If you dont have a supplemental health plan the patient is responsible to pay the balance after Medicare pays their share.

    You keep your Medicare card permanently. Whether the Medigap supplement insurance has a card or not I dont know. There are different levels of coverage with the supplemental plans. You can find that info on the Medicare website because they are specific to your location or call any major insurance company or agent.


  3. Its similar like normal health insurance you get same facilities in this insurance and its perfectly ok to buy, ya must be concern of which to buy , many of insurance provide medicare insurance which company provide you affordable good cover of risk …I recently bought Berkshire medicare insurance for me and my family and we happy with services .


  4. Medicare supplement health insurance does not cover all. You can look for extended health insurance plans for individuals or couples or for family from the health insurance companies to get more benefits.


  5. Hi Vinay,

    Medicare Supplement Insurance is secondary insurance that covers the gaps that Traditional Medicare does not pay.

    Under 2013 Traditional Medicare you pay

    Under Medicare Part A: Hospital Insurance
    Most beneficiaries pay $ 0 premium
    you have an annual deductible of $ 1184 per hospital admission

    Under Medicare Part B: Medical Insurance
    You pay $ 99.90 ($ 104.90 in 2013)/monthly premium
    You pay $ 140 deductible and 20% co-insurance for all doctor visits and medical procedures

    Medicare Supplement, also called Medigap Insurance will help you cover your Basic Benefits, Part B Co-insurance, Skilled Nursing, Part A Deductible, Part B Deductible, Foreign Travel Emergency, and Preventive Care.

    Medigap Plan F is the most comprehensive and popular of these plans.

    Good Luck!


  6. According to the U.S. Department of Health and Human Services (HHS), Medicare Supplement Insurance (also known as Medigap coverage) “is health insurance sold by private insurance companies to fill the ‘gaps’ in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs.”