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Medicare Secondary Insurance: What it is and What it Covers

Medicare secondary insurance is known as Medicare Supplement, or Medigap. These plans were made to compliment Original Medicare, Part A & Part B, it’s NOT a substitute for your Original Medicare.

What is Medicare Secondary Insurance

This supplemental insurance assists Medicare policyholders by helping to close the gap between what Original Medicare will pay and what you have to pay out of pocket. Because it’s a supplement to Medicare, you can only get a secondary insurance plan if you already have Original Medicare. Secondary insurance for Medicare is available through private insurance companies, and it only applies to Parts A (hospital insurance) and B (medical insurance.) 

Thanks to the fact that these plans tend to be regulated by state and federal laws, the benefits you receive will be the same regardless of your insurer, although there will be differences in price. Another fact to know is that not all carriers will offer all 10 plans, some offer only a few of them.

What are the 10 Plans AvailableMedicare Secondary Insurance

The ten plans available for secondary insurance for Medicare are labelled A-D and then Plan F (Also known as Medicare Part F), G, K, L, M and N. Some benefits are the same across all plans. For example, all 10 plans will cover Medicare Part A costs up to a year after traditional Medicare benefits run out. Coinsurance and Co-payment for Medicare Part B are covered to some extent by all plans, but plan K only covers 50% and plan L 75%, while the rest offer complete coverage.

Those same percentages, 50% and 75%, also apply for Plans K and L for coverage for: the first three pints of blood, Medicare Part A hospice coinsurance or co-payment, skilled nursing facility (SNF) coverage, and the Medicare Part A deductible. For these four benefits, the remaining eight plans mostly offer full coverage, with two exceptions: SNF is not covered by Plans A or B, and Medicare A deductibles are not covered by plan A, and only half covered by plan M.

Medicare Part B deductibles, on the other hand, are not as heavily covered by secondary insurance for Medicare patients. Part B deductibles are not covered at all by plans A, B, D, G, K, L, M or N, although the final two plans provide full coverage. Medicare B excess charges are likewise covered by only two of the plans, in this case Plans F and G, while the rest don’t offer coverage. Another common benefit patients look for is assistance with foreign travel emergencies.

Up to plan limits, Plans C, D, F, G, M and N provide 80% coverage, while the remaining four plans don’t cover these emergencies. Finally, there’s the out of pocket limit. For all plans except K and L, there’s no out of pocket limit. As mentioned above, these secondary insurance benefits are standardized, so the primary difference between plans from different insurers will be cost. This is a lot of information to remember, so if you have any questions about the specifics of any of the 10 plans, call or contact us online!

How Do I Apply?

If you need help paying Medicare costs and are looking to apply for Secondary Insurance to Medicare, call the number above, or fill out the compare rates form we offer to get started. If you have any questions or concerns, contact us immediately, and we’ll provide you with the information you need to make decisions about Medicare Supplements.

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