So you have opted in for parts A and B of the Medicare plan, that’s normal. You’re covered for nursing care and doctors, yet if you needed something other than that, your plan wouldn’t cover for it. It may seem redundant but there are things you need to keep in mind if you need to get a Medicare supplemental plan. Medicare supplement plans cover what you are not covered for, bridge gaps if your spouse needs different plans and are separate purchases away from Medicare coverage.
Medicare A and B as you know covers doctor, nursing, preventative care and hospice care reimbursements. What is not covered is the dental, vision, urgent care and various prescription plans. Medicare supplement plans work well if you need to cover your bases. It insures that if a time came where you needed help outside a hospital that you can get reimbursed for it. If your condition warrants attention like that, consider it an investment.
Sad, but true, Medicare plans are paid for each person, not together. Its financials, money to cover two people must be two prices, not one. Medicare supplement plans are good in the sense that you can get a lower bulk rate through a private insurance seller if you happen to need it. Otherwise Medicare does not make arrangements for couples.
Medicare has a uniform policy in regards to plans A and B (like that of C and D). It covers specifically what it covers. Your Medicare supplemental plans will come from private insurance companies; they will be the ones that cover you when Medicare will not.