How Do I Know If I Need A Supplemental Medicare Insurance Plan?
Don't Wait, find out if you need a supplemental medicare insurance plan now.
While Medicare Health Insurance covers a large part of anyone's bills there still may be some extra costs that it might not cover. Trying to find out if you actually need a supplemental medicare insurance plan may be more difficult than expected. However, it is important to find this information out instead of waiting until it is too late. If it is too late and medicare does not cover it then there could be some very large bills to take care of out of your own pocket.
What Medicare Covers
Medicare Health Insurance has a part A, B, and D that covers all different areas. Part A covers in patient hospital services, nursing services in hospital, hospice care and home health care. Basically this part of the plan covers the hospital bill and all of the nursing work. Part B covers clinical laboratory services, medical expenses, outpatient hospital services, and preventive health services. This part of the plan just adds on to Part A and benefits people with serious health problems. Part D covers generic and brand name prescription drugs.
Do I need a Supplemental Medicare Insurance Plan?
If all of your problems can be covered by the medicare plans listed above then no you do not need it. However, if you are at risk for injury or disease and may be sick for a long time then supplemental insurance can definitely help. A very long stay in the hospital may not be covered by general insurance and the supplemental insurance can fill in this gap. Also, there are other supplemental plans to help pay for all of the different co-pays that are involved. If you might need serious medical help in the near future then a supplemental medicare insurance plan is beneficial.