4 Medical Benefits Covered by a Medicare Supplement Policy

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Understanding the coverage of a Medicare Supplement Policy, also known as Medigap, is essential for making informed decisions about healthcare. Medigap policies help pay for medical bills that are not covered by Original Medicare. Here are four essential medical benefits a Medicare Supplement Policy often covers. Before selecting a Medicare Supplement Policy, consider your healthcare needs, budget, and any existing medical conditions to ensure the policy provides the coverage you require.

1. Co-payments and Deductibles

Medicare Supplement policies, often referred to as Medigap, provide essential financial assistance by covering expenses not paid by Original Medicare. For many retirees, the expense of medical treatment might be prohibitive due to co-payments, co-insurance, and deductibles, which can quickly mount up. Medigap plans aim to alleviate this financial strain by offering various coverage options that cater to different individual healthcare needs. This financial aid helps retirees afford crucial healthcare services, ensuring they receive the care they require without facing overwhelming out-of-pocket expenses. 

Medicare Supplement plans also grant beneficiaries unrestricted ability to select healthcare providers outside of networks. This means that individuals can seek medical attention from any doctor or hospital nationwide that accepts Medicare, providing flexibility and peace of mind, particularly when traveling. Moreover, these plans typically pay the portion of covered healthcare costs not paid by Medicare directly to the healthcare provider, simplifying the billing process for policyholders. Medigap policies are guaranteed renewable, provided premiums are paid, offering long-term stability in coverage without fear of policy termination due to health conditions or age. The clear and standardized nature of Medigap plans makes it easier for retirees to comprehend their coverage, ensuring a transparent and reliable healthcare financing option.

2. Skilled Nursing Facility Care

Medicare Supplement policies (Medigap) can be advantageous for individuals needing long-term care in a skilled nursing facility. Original Medicare typically covers the first 20 days of care at a skilled nursing facility in full and then requires a co-insurance payment from the beneficiary. Medigap plans can help alleviate this financial burden by covering these co-insurance payments for an additional 80 days, providing peace of mind and financial relief for extended care needs. During this period, from day 21 to day 100 in a skilled nursing facility, the Medicare Supplement policy can contribute to the co-insurance costs required by Original Medicare. This extended coverage ensures individuals have financial support in place to cover the hefty co-insurance amount, making long-term care more affordable and accessible. Medigap policies provide this financial safety net for those who need more time at a skilled nursing facility, helping to mitigate the high costs associated with extended care services while offering the necessary support for beneficiaries and their families.

3. Medical Care While Traveling Abroad

Medicare Supplement plans (Medigap) are known for extending coverage beyond U.S. borders, offering added benefits to policyholders who frequently travel or reside outside the country. Original Medicare generally does not cover health services received abroad, leaving many individuals vulnerable to high out-of-pocket costs while traveling. However, various Medicare Supplement plans in Nebraska, as well as in other regions, provide emergency medical coverage during travel overseas. 

These supplemental policies cater to unexpected medical emergencies that might occur outside the United States, reducing the financial burden and ensuring access to urgent healthcare services while abroad. Having coverage for medical emergencies while traveling internationally can be a considerable advantage. Policyholders might enjoy a certain amount of financial security in case they suffer unanticipated illnesses or injuries while traveling. This provision is particularly helpful for retirees or individuals who frequently travel abroad, giving them peace of mind and added security in case of unforeseen medical situations during international trips.

4. Excess Charges for Medicare Part B

Medicare Supplement plans, often referred to as Medigap, are designed to bridge gaps in coverage left by Original Medicare, offering a way to offset various costs. One of these expenses that Medicare beneficiaries may encounter is excess charges for Medicare Part B. Under Medicare, doctors have the choice to accept the Medicare-approved payment as the full cost for services or charge up to 15% more than the Medicare-approved amount. These extra charges, also known as excess charges, are the responsibility of the patient under Original Medicare. 

However, some Medigap plans provide coverage for these excess charges, ensuring that policyholders are not financially burdened by these additional costs from healthcare providers who opt to charge more than the approved Medicare rates. Understanding how Medicare Supplement plans in any other state cover excess charges for Medicare Part B is vital for individuals seeking financial security in healthcare expenses. Medigap policies generally cover these additional costs, offering relief for policyholders who want to minimize out-of-pocket expenses for medical services.


Medicare Supplement policies have the potential to provide benefits beyond those of Original Medicare. Understanding the specific medical benefits offered by these policies can assist in making informed decisions to manage healthcare costs effectively.