Can spouses select different Medicare Supplement Plans?

Spouses are allowed to select different Medicare Supplement Plans because each individual can choose coverage that best fits their own healthcare needs and financial situation. Medicare Supplement Plans, also known as Medigap plans, provide additional coverage to help pay for expenses not covered by Original Medicare, such as copayments, coinsurance, and deductibles. Since healthcare needs can vary significantly between individuals, it's essential that each spouse assesses their own health status, expected medical services, and budget when selecting a plan.

This flexibility allows for a tailored approach to healthcare coverage, ensuring that both individuals receive the benefits that best address their specific needs rather than forcing them into a single plan that may not be ideal for one or both of them. For example, one spouse may require a broader network of specialists while the other may prioritize lower monthly premiums.

In contrast, the other options present limitations that do not reflect the reality of the Medicare Supplement Plan structure. Therefore, the correct understanding is that each spouse can independently choose their Medicare Supplement coverage.