• Supplemental insurance plans are offered by private insurance companies approved by CMS (Centers for Medicare and Medicaid Services).

  • Beneficiaries must be enrolled in Medicare Part A & Part B.

  • Supplement plans help to cover some of the “gaps” in Medicare – Deductibles and coinsurance expenses that Medicare does not cover.

  • Medicare is billed first – Supplement is billed second – You are billed last.

  • Policies are standardized from company to company – Policies A, B, C, F, G, K, L, & N – but premiums will vary between companies (Plan C & F will be phased out in 2020).

  • Supplement plans do not work in conjunction with Medicare Advantage insurance plans.

  • Physicians are reimbursed at Medicare Allowable Rates.

  • These plans do not include Part D Prescription Drug Coverage. You will need to purchase a stand-alone Prescription Drug plan. See Part D.

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