Medicare Supplement

Note: A Medicare Supplement plan and a Medigap plan are exactly the same plan.  Both words mean the same thing.

A Medicare Supplement Policy is a private Health plan that is designed to pick up the coverage gaps in your Original Medicare. Under your Original Medicare you will receive a Red, White and Blue Card with Part A and Part B.  You must have a date next to Part A and Part B for both parts to be active.

Original Medicare has coverage gaps.

 

The coverage gaps are as follows:

Part A

Has a deductible for all In-Patient Hospital Stays.  The 2017 deductible is: $1,316.00 per benefit period.  A benefit period basically means per admission.

Part B

Has a calendar year deductible plus 20% of the bill.  The 2017 Part B annual deductible is: $183.00 per year plus 20% of the Part B bills.

Plan F

A “Plan F” Medicare Supplement will pay your deductibles and the 20% Medicare does not pay giving you full coverage.  Meaning 100% coverage for all Medicare approved charges.

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