How does the coverage from a Medicare Supplement Plan interact with original Medicare?

Medicare Supplement Plans, commonly known as Medigap, are designed to complement original Medicare rather than replace it. This means that these plans provide additional coverage to help fill in the gaps left by Medicare Parts A and B, which can include deductibles, coinsurance, and copayments.

For instance, while Medicare covers a variety of medical services, it does not cover all costs associated with those services; beneficiaries may still be responsible for out-of-pocket expenses. Medigap insurance can help cover these expenses, allowing individuals to manage their healthcare costs more effectively.

Medicare Supplement Plans do not exclude any service covered by original Medicare; rather, they enhance the coverage that Medicare provides. They are not limited to just hospital services and are also not a stand-alone insurance but work in conjunction with Medicare. This harmonious relationship between the two ensures that beneficiaries have comprehensive healthcare coverage.