Before you go to this website, decide what Medicare does and doesn’t cover. For example, Medicare does cover preventive care like cholesterol screening and regular physicals. Medicare does not cover hearing aids, sight aids, special medications, or in home health care. Medicare supplement plans may help fill the coverage gap for some of these basic benefits. These basic benefits are critical to everyday living and can become a financial burden if they’re not included in Medicare. Medicare supplement plans are designed to help ensure hese “gaps” are covered by the program.
Medicare Supplement Plans covers what Medicare doesn’t, such as dental expenses and some vision expenses. Medicare Supplement Plan I also covers costs related to outpatient care. Medicare Supplement Plan II is intended to help fill the gap left by original Medicare coverage. Medicare Supplement Plan III covers extra benefits not covered by Medicare. Medicare Supplement Plan IV is for income-based care or nursing-home care. Medicare Supplement Plan V is a no-medical-necessity plan for long-term health-care expenses.
Each of these four Medicare supplement plans provide more coverage than the government-provided basic benefits. It’s important to remember that each plan has limitations and restrictions, as well as restrictions specific to each Medicare Part. Certain private insurance companies don’t offer Medicare supplement plans. In addition, some Medicare providers refuse to participate in certain Medicare supplement plans. Before enrollment, read the policy carefully and confirm that the items mentioned are in the plan.