Medicare Supplement (also called Medigap)
These are plans offered through private insurance companies. They help fill the gaps in Original Medicare (Parts A and B). These plans may pay for some or all of the costs of deductibles, copays, and coinsurance.
- You pay two monthly premiums-one for your plan and one for your Medicare Part B coverage.
- These are standardized plans approved by Medicare. Each insurance company chooses how many plans it will offer.
- Depending on the plan you choose, you will have little to no out-of-pocket costs for Medicare-covered services.
- There is no provider network, and you do not need referrals to see specialists. You can go anywhere Medicare is accepted.
- Medicare Supplement plans do not include prescription drug coverage. You must purchase a Part D drug plan separately.
How do I qualify for a Medicare Supplement plan?
- You must have Medicare Parts A and B.
- You must be a Washington resident.
How do I use my plan?
When you use providers who accept Medicare, you will not have to file your own claims. Just take your Red, White & Blue Medicare Card and your Medicare Supplement plan ID card to your physician or hospital and you will pay the appropriate copay or coinsurance for your plan. There are no claim forms to fill out, claims are submitted by your physician or hospital directly to Medicare, and then automatically crossed over to your Medicare Supplement plan. You will receive Medicare Summary Notices from Medicare and from your Medicare Supplement plan.
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