Who Needs Supplemental Medicare Coverage

Everyone who has Medicare but needs additional insurance coverage should consider buying Supplemental Medicare coverage. Supplemental Medicare is also known as Medigap. It can help take care of costs that Medicare does not cover. BLC Insurance in Urbandale, IA can get you started on a policy for extra insurance coverage.

What You Should Know about Supplemental Medicare

Medigap is not the same as the Medicare Advantage Plan. Medigap policies only cover a single person. If your spouse needs extra insurance to fill the gap on their Medicare plan, they will need to purchase a separate plan.

In order to purchase supplemental Medicare coverage, you must already have Medicare Part’s A & B. Original Medicare covers medically necessary supplies and services that you’ll need to treat illnesses. You can get lab tests, doctor’s visits, wheelchairs, canes, and other necessary items for your condition.

Hospital care, hospice, and nursing home care may be covered by Medicare Part A. Part B can cover medically necessary and preventative services. Some prescription drugs, ambulatory services, mental health care, and clinical research all may be covered with Part B. Medigap takes care of things that are not covered by your Medicare coverage. You may need to pay co-insurance or deductibles. Supplemental Medicare may be able to cover unexpected costs that you may not be able to afford.

Items That May Not Be Covered

Although Supplemental Medicare Insurance may bridge the gap for your medical expenses, there are a few things that Medigap does not usually cover.  

  • Vision and Dental Expenses
  • Long-Term Care
  • Eyeglasses
  • Hearing Aids
  • A Private Nurse

There is a way you can protect your family and yourself by having additional coverage that your Medicare insurance may not cover. In Urbandale, IA, the independent insurance agents at BLC Insurance can help you with additional changes to your Medicare coverage.