What Are Medicare Supplement Plans?

AARP Medicare Supplement Plans covers not only medical expenses but also out of pocket expenses. Medicare Supplement Plans is for people who have low incomes and do not receive income supplements on their federal Social Security payments. In addition, some providers of Medicare Supplement Plans also provide services to Americans with disabilities.There are many government programs that provide health coverage. The U.S. government offers a variety of health insurance plans and Medicare Supplement Plans to suit a wide range of needs. Some of these plans are known as “fee-for-service” programs and others are known as “Medicare Advantage Plans.” Many of the plans available to consumers offer high deductibles and co-payments.

Medicare Part A, which covers hospital stays, is the original Medicare program. Medicare Part B, which covers physician visits, is popularly known as the “Medigap” plan. A Part C plan is a prescription drug plan. Medicare Supplement Plans is a common source of health coverage for those on Medicare.  The AARP Medicare Supplement Plans are affordable.  to help senior citizens with limited incomes keep good health coverage. They can purchase Medicare Part A, Part B, Part C or Medicare Advantage Plans. Not all seniors qualify for all of these programs, but the plans are intended to provide a basic level of coverage for seniors.

Medicare Part A, provides coverage for hospital stays and treatment. It includes all medically necessary hospital stays up to a maximum of ninety days in a twelve month period. It also includes outpatient services such as physicals, home health visits, skilled nursing care, and emergency room care.Medicare Part B, provides coverage for physician visits and long-term care such as nursing home care and respite care. Part B does not cover emergency room visits, prescription drugs or medications that are covered by Medicare Part D.

Medicare Part C covers prescription drugs. It also provides coverage for over-the-counter medications. Part C does not cover dental and eye care. Medicare Supplement Plans is commonly known as Medigap plans.Medicare Supplement Plans is available in two parts: the Part A and Part B plans. Medicare Part C provides coverage for prescription drugs. Part C plans are called Medigap plans because they provide coverage to Medicare beneficiaries who do not qualify for the Medicare Parts A and B.

Medicare Supplement Plans can be purchased through an insurer or directly from the provider. Certain plans are available only to Medicare Advantage Plans and Medicare Part C enrollees.Although Medicare Supplement Plans are designed to fill gaps in Medicare coverage, the plans have their limits. Many policies limit the scope of coverage and require enrollees to pay higher deductibles. Before selecting a plan, it is essential to consult a qualified health care professional to discuss their policy and benefits.

Medicare Supplement Plans provides financial protection for senior citizens with limited incomes. As beneficiaries get older, they may find themselves in a situation where they need ongoing health care. After the age of 65, Medicare Supplement Plans does not cover additional costs, such as dental and eye care.Medicare Supplement Plans are intended to keep senior citizens healthy and out of debt. In the past, seniors were not able to afford high-cost health care coverage and had to make up the difference with out of pocket expenses, or else face the prospect of bankruptcy.