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FAQ: Who Needs Medicare Supplement Insurance?

Many Americans are surprised to find out that Medicare Part B, which covers necessary medical expenses, is not free. As you face this unexpected monthly cost and consider how it fits your retirement plans, you may be reluctant to take on another expense with Medicare Supplement insurance, or Medigap. Answer the questions below to help determine if a Medigap policy is the right choice for your lifestyle.

Do You Regularly Visit the Doctor, ER, or Hospital?

If you expect to have multiple hospital stays each year, to visit your doctor frequently, or to require numerous medical services of any kind, then Medicare Supplement insurance can lessen the financial impact of these medical expenses. After all, Medicare Part A and Part B will help with many medical expenses, but they won’t pay for everything.

Can You Afford Expensive Deductibles, Copays, and Coinsurance?

Who is Medicare Supplement insurance for? Anyone who wants to fill the gap between what Original Medicare covers and what you have to pay. For example, Medicare Part B will only pay for 80% of approved services. Therefore, you have to pay 20% of all:

  • Doctor’s visits
  • ER visits
  • Surgeries
  • Blood tests
  • X-rays
  • Tests such as MRIs and CT scans
  • Durable medical equipment

These additional costs can be a burden on many older Americans. That’s why approximately 1 in 4 Medicare recipients will enroll in a Medigap policy. Depending on the Medicare Supplement plan that you choose, you may pay a higher monthly premium for greater coverage or take on more cost sharing for a lower monthly cost.

Do You Love to Travel?

Are you planning to spend your retirement traveling the world? A little jet-setting is common among retirees, but medical issues abroad can turn into a significant expense. Many Medicare Supplement plans will offer limited coverage for emergency care during foreign travel, which Medicare Part A and Part B will not provide.

Are You Already Enrolled in Medicare Advantage?

You cannot register for both Medicare Advantage and Medicare Supplement insurance at the same time. If you are satisfied with your Medicare Advantage policy, then Medigap probably isn’t the right choice for you.

Would You Like to Keep Seeing Your Regular Doctor?

Are you currently choosing between Medicare Advantage and Medicare Supplement plans? Much like Medigap, Medicare Advantage offers additional insurance coverage for those with Medicare. Unfortunately, Advantage requires you to stay within an insurance provider’s network of doctors and hospitals. In contrast, Medicare Supplement plans let you visit any medical provider who is approved by Medicare.

Choose the Right Medicare Supplement Policy for Your Needs

Now that you know who needs Medicare Supplement insurance, you can make an educated decision for your lifestyle. If a Medicare Supplement plan is a good choice for you, then you should start thinking about your household budget and the coverage that you need.

Go to our online Medicare Supplement quote tool to find out what different Medicare Supplement policies will cost in your state. Then, give us a call. Our Medigap professionals can guide you through your insurance options and help you choose the right plan for you!

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