Medigap supplements Original Medicare’s healthcare costs. Medigap plans cover a lot of costs, however there are few things you may have thought Medicare and/or Medigap covers and they actually don’t.
What Medigap Covers
Medigap plans fill in the gaps of Original Medicare, however, each Medigap plan offers different coverage. Here is a list of what Medigap can cover:
- 365 additional hospitalization days
- Nationwide network of doctors and hospitals
- Covers Medicare Part A and Part B deductibles
- First 3 pints of blood for a transfusion
- Covers hospitalization coinsurance
- Covers Skilled Nursing coinsurance
- Part B copays and/or coinsurance
- Part B excess charges
- Foreign emergency healthcare coverage
All of the above, with the exception of foreign healthcare, are covered at 100%, therefore most clients find that they only pay their monthly premium and have no other out of pocket costs per year.
What Medigap Doesn’t Cover
As you can see Medigap plan covers a lot of your costs, but there are still things it doesn’t cover at all. These are a few healthcare services and items that Medigap doesn’t cover:
- Prescription drug coverage
- Dental
- Vision
- Long Term Care
- Eye glasses
- Private nursing
- Hearing aids
Prescription Drug, Dental, Vision, and Long Term Care insurance can be purchased separately.
For further questions about Medigap coverage call the number above or click here to get a Medigap quote.