Medicare Supplement Plan Designed to Fill the Gaps

Soon you will turn 65. It can be confusing to learn all the details about Medicare. It is even more confusing to figure out all of the options such as Medical Supplements and Medicare Advantage. As you may already know, Part A covers Hospitals and part B covers Medicals. But you may not be sure whether or not you will need any other coverage in addition to the original Medicare.

Why do many individuals sign up for a Medicare Supplement Plan and what does it entail? These answers are at    To provide an answer to the question, first of all, you need to understand how Medicare Parts A & B work, what it covers and what it does not cover. Medicare Part A covers many hospital expenses but not all expenses. In 2011, a deductible of $1,132 is made per visit so long as each visit is separated by more than 60 days. You’ll have a per day co-pay of $283 if you stay in the hospital for 61-90 days. You will have a per day co-pay of $566 if you stay in the hospital for 91-150 days.

Also in 2011, an annual deductible of $162 was made concerning Medicare Part B that you will be responsible for. You’ll be responsible for 20% of all medical expenses in addition to that. The 20% can really, really accumulate. In addition to your regular tests and doctor visits, imagine if you would need a hip or knee replacement that would require many months of physical therapy, you would be under obligation to pay 20% of all those bills.

Although original Medicare covers most medical needs, it was never designed to cover all of your medical expenses. As you can easily see, there are many “gaps” in coverage, that you are under obligation to pay for. This is the reason why many persons will buy a Medicare Supplement Insurance or Medigap.

Medicare Supplement plans 2019

The two terms – Medicare Supplement and Medigap are used interchangeably –two names which describe the exact same insurance plan. Many Medicare Supplement Plans will cover your Part B deductible and also your co-pays and hospital deductible, and the 20%.

Being exposed to the 20% of medical bills is the scary part for most people. A series of test could cost a small fortune. If you need rehabilitation or physical therapy, those twice a week visits, at 20% cost to you, will accumulate. You will be looking at quite a medical bill when you include the potential Part A hospital deductible of $1,132 per visit. This is the reason why many individuals want to fill in these gaps in coverage.

Having a Medicare Supplemental plan means that you will be adding extra expenses per month. The trade-off however, is that you will have a known expense, rather than a possibly very high expense if you make use of the benefits.

This original Medicare is your primary coverage if you have a Medigap plan in addition to your blue, white, and red Medicare card. Pay your medical bills first, after which your Medicare supplement plan will pay the gaps which Medicare will not cover for.