Medigap That Works
Medicare Supplement Plan
Unlike Original Medicare, a Medicare Supplement plan is offered through private insurance companies. These Medigap plans help pay some of the hospital and medical costs that Original Medicare doesn’t cover, such as copayments, coinsurance, and yearly deductibles.
Deductibles Explained
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Medicare Breakdown
A Nevada Medicare Supplement Plans allow you to go to any doctor or facility in the United States that accepts Medicare patients, and generally cover all medical expenses after a small deductible.
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Part A
Hospital Insurance
Medicare Part A helps you cover your:
- Inpatient care in hospitals
- Skilled nursing facility care
- Hospice care
- Home health care
Part B
Hospital Insurance
Medicare Part B helps you cover your:
- Services from doctors
- Outpatient Care
- Preventative Services
- Medical Equipment
Part C
Medicare Advantage
All in one alternative to Original Medicare:
- Combines Parts A, B and D (not always)
- Obtained from a private insurance carrier
- Local network of doctors
- Can offer additional benfits like dental, vision, and hearing
Part D
Prescription Drug Coverage
Medicare Part B helps you cover your:
- Costs of prescription drug
- Also obtained from a private insurance carrier
- A fantastic quote tool can be found here: Part D Plan Search
- You may have a penalty if you do not enroll when you are initially eligible
Accessible Expertise
Frequently asked questions
What types of coverage are not Medicare Supplement plans?
As a Medicare beneficiary, you may also be enrolled in other types of coverage, either through the Medicare program or other sources, such as an employer. When you first sign up for Original Medicare, you’ll fill out a form called the Initial Enrollment Questionnaire and be asked whether you have other types of insurance. It’s important to include all other types of coverage you have in this questionnaire. Medicare uses this information when deciding who pays first when you receive health-care services.
Below is a list of other types of insurance you may have. Please note that these types of coverage are different from Medicare Supplement plans:
- Medicare Advantage plans (like an HMO or PPO)
- Medicare Prescription Drug Plans (Part D)
- Medicaid
- Employer- or union-sponsored group coverage
- TRICARE
- Veterans’ benefits
- Long-term care insurance policies
What benefits do Medicare Supplement plans cover?
If a Medicare Supplement plan includes a certain benefit, this benefit is covered 100% unless otherwise specified.
In general, all Medicare Supplement plans cover the following benefits:
- Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used)
- Medicare Part B coinsurance or copayment*
- Blood (first 3 pints)*
- Part A hospice care coinsurance or copayment*
*Coverage may be partial for some plans.
Some types of Medicare Supplement plans also cover:
- Skilled nursing facility care coinsurance
- Medicare Part A deductible
- Medicare Part B deductible
- Medicare Part B excess charges (the amount that a non-participating provider may charge above the Medicare-approved cost for a service)
- Foreign travel emergency (up to plan limits)
As mentioned, benefits vary by plan type. For a quick look at the benefits provided by standardized Medicare Supplement plans, please view this Medigap Plan Benefits Chart.
What benefits are not covered by Medicare Supplement plans?
Medigap policies generally do not cover the following health services and supplies:
- Long-term care (care in a nursing home)
- Routine vision or dental care
- Hearing aids
- Eyeglasses
- Private-duty nursing
- Prescription drugs
If you still have questions, please contact us. We’re here to help you understand which plan is right for you.
Call 775-786-6381
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We specialize in Group Health Insurance, Individual Health Insurance, Medicare, and Association Health Plans. We are a team of experienced, straightforward professionals that enjoy what we do every day!
Call Pete Gilbert or Roxy Rivera on 775-786-6381 to learn more about how Employer Benefitcs, Inc. can help save you money on insurance.
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