Types Of Medicare Supplements

The Medicare Supplement Insurance Program (MSA) covers many of the features of traditional Medicare coverage. Medicare Supplement Plans are not Medicare Parts A and B, but are instead separate, targeted plans offered by private insurance companies to complement the existing Medicare coverage. Understanding Medicare Supplements 2021 may also help you determine whether Medicare Part A or Part B is best for your needs.

The primary Medicare Supplements 2021 plan offered by most insurance companies is Medicare Part A. This plan provides coverage for most of the items listed above. It may cover some of the items listed in the more expensive Medicare Advantage Plans, such as prescription drugs, vision care, hospitalization, home health care, nursing home care, and accidental death and dismemberment benefits.

Medicare Part B, on the other hand, is a more flexible type of supplemental insurance coverage. Part B generally covers the same items listed in Medicare Part A, plus a few extra ones. Medicare Part B may also be obtained through private insurance plans, or it may be made part of Medicare Parts A and B.

Medicare Part C is a prescription supplement that is not a part of Medicare Parts A or B. Instead, Medicare Part C pays for certain brand-name medications that are not covered in other plans. Medicare Part C premiums are based on the age of the applicant, and they are paid according to the schedule for each pay period.

Medicare Supplement D is for patients who need medications that are not covered by any of the other two programs. This supplement contains different types of medication that are not available in other supplemental insurance plans. It may also cover some of the durable medical equipment commonly known as Medicare imaging devices. Some of the durable medical supplies that may be covered under Medicare Supplement D are ambulatory dialysis equipment, durable medical equipment, and medical supplies, which include orthopedic and physical therapy equipment and supplies.