Medicare Supplement Plans

---

A Medicare Supplement Insurance Plan is used with original Medicare. 

Any caregiver that accepts Medicare will take a Supplement because 

they only need to bill Medicare. Medicare pays their part (generally 

80% of Medicare covered benefits) and sends the remainder of the bill 

to the Supplement which pays their part (generally 20%). It is important 

to note that Supplements do NOT include Prescription Drug Coverage 

(Part D, PDP) and for those that do not get a PDP when first eligible 

there will be a penalty when they do get a PDP. (there are exceptions to 

this) A Medicare Supplement does not change year to year (although 

the cost does generally go up the coverage does not change). .