Medicare supplement plans are not designed to work on their own. This is the reason as to why they are called Medicare supplement since they are used to supplement your original Medicare cover. In order to become eligible for the Medicare supplement plans, you should be enrolled in an original Medicare cover and you need to stay enrolled in the original Medicare even after getting the supplement plan.
Original Medicare and Medicare supplement plans work hand in hand. If you incur medical or hospital costs, the costs will first be catered for by the original Medicare cover and the Supplement plans will be used to cater for any additional costs that original Medicare could not meet. This is achieved through the deductibles, copayments and coinsurance.
Medicare supplement plans are also used to pay for doctors and hospitals that charge higher amounts than those approved in the Medicare cover. This is achieved through the excess charges benefits. This is a provision that gives more flexibility to policy holders who want to visit different hospitals and doctors to seek additional help.
Medicare supplement plans also work with Medicare Part D. Medicare supplement plans do not offer coverage for medications and drug prescriptions. Therefore, if you want to have a plan that will cater for your prescriptions, then you should combine your Medicare supplement plan with the Medicare Part D. This is to expand your health insurance coverage.
However, you should note that not all the Medicare covers work with the Medicare Supplement plan. If you have the Medicare Advantage plan, you cannot use the supplements plan to pay for any additional costs. You therefore are required to drop one of the covers and choose a more suitable combination. The only Medicare cover that works together with the Medicare supplements plan is the original Medicare and you have to make sure that you are enrolled in it to be eligible for either of the supplement plans.
An original Medicare cover on its own is not very effective. This is because there are some gaps in costs that will be left. It is therefore important to ensure that you supplement your original Medicare with one of the supplement plans to minimize the extra expenses that you have to meet on your own. Due to the unpredictable nature of medical emergencies, being comprehensive in terms of coverage is advisable.