Why Do You Need Medicare Supplement Insurance Even After Purchasing Original Medicare Plans?

There are a lot of things which Original Medicare plans are unable to cover. To provide these benefits, Medicare supplement insurance is there. If you have purchased both insurance plans then from a medical check-up to getting discharge you don’t need to pay anything.

To understand the actual need of Medicare supplement insurance you need to know what Medicare advantage Oregon provides:

Medicare advantage plan in Oregon is an alternative way of providing benefits of Original Medicare. Some of the Medicare advantage health plans offer better healthcare, a wide network of medical professionals, long term savings and other small benefits like plan flexibilities. On the other hand, some of the Medicare advantage plans offer a small network of medical professionals, no savings etc. There is a cost difference between these plans also. Thus, according to your need, you can purchase the plan and can avail benefit accordingly.

Medicare advantage can be defined as Medicare part C. This type of insurance is offered by private medical companies. The plan includes hospital and medical coverage and some other benefits. You need to get enrolled in Medicare plan A and Medicare plan B to get easily enrolled in Medicare advantage plan.

Below is a list of benefits offered by Medicare advantage plans:

• Coverage of prescription of drug.

• Coverage of dental, vision and hearing problems.

• Coverage of hospital charges.

• Some additional benefits.

Medicare supplement insurance is also called as Medigap. This is because the Medicare supplement plans or Medigap are used to fill the gaps in Original Medicare plans. When you purchase Medicare advantage plans you get a lot of benefits but not all. If you are not having a supplementary plan then you have to pay for some services like coinsurance.

Below are the details you need to know about Medicare supplement plans or Medigap:

• You need to have an original plan either Medicare plan A or Medicare plan B.

• Medicare advantage plans and Medicare supplement plans are both different. Medicare Advantage plans are the original insurance plans whereas Medicare supplement plans are a way to avail the benefits which are absent in original plans.

• Medicare supplement plans are purchased independently. To avail these plans you need to pay some premium amount to the private company. This premium is additional with the cost of a Medicare advantage plan. Don’t get confused between these plans.

• One Medicare supplement insurance covers only one individual. If you and your family want to have Medicare supplement insurance then you need to purchase a plan for every member.

• You can purchase Medicare supplement insurance from the legal or licensed insurance company in your area.

• Even if you are suffering from health issues, you can renew your policy. The company cannot cancel the Medicare supplement plan until you are paying the premium amount.

• No one can sell you Medicare supplement plans if you are having Medicare advantage Oregon. It is illegal.

• Medicare supplement insurance plans do not cover everything you need. These plans are a way of providing you with small benefits so that you can save your money. Don’t expect a lot from these plans.