Enrolling in Medicare
Fortunately, Medicare Supplement plans, as the name suggests, are designed to supplement Original Medicare and help cover those additional expenses.
But what is a Medicare Supplement SELECT plan?
Let's find out and help you determine whether it's the right choice for your healthcare needs.
A Medicare Supplement Plan Medigap plan
Medicare Supplement Plans are sold by private insurance companies and help fill the "gaps" in Original Medicare. They help cover costs such as:
Part A deductible
Part A coinsurance or copayment
Part B coinsurance or copayment
Blood transfusion (first 3 pints)
Hospital costs for up to 365 days after Original Medicare coverage
Foreign Travel Insurance
SNF coinsurance
Medicare Supplement Plans only work alongside Original Medicare (Parts A and B). They cannot be used with Medicare Advantage Plans
Additionally, you must already be enrolled in Medicare Parts A and B to be eligible for a Medicare Supplement Plan.
One of the benefits of Medigap plans is that they do not have network restrictions, allowing you to receive care from any healthcare provider or hospital that accepts Medicare.
There are ten standardized Medicare Supplement Plans, identified as Plans A, B, C, D, F, G, K, L, M, and N. Each plan offers varying levels of coverage to suit different healthcare needs. Some Medigap plans may also provide added benefits for emergency medical care while traveling outside the United States.
A Medicare Supplement SELECT Plan, or Medicare SELECT plan, is a type of Medicare Supplement Plan
However, it has network limitations, so you must use specific doctors, hospitals, and other healthcare providers in the plan's network to receive full coverage benefits (except in an emergency). You may be responsible for some or all associated costs if you receive care from a healthcare provider outside the network.
In addition, you may also need a referral from your primary care physician
For example, Medicare Supplement SELECT Plan G covers the same out-of-pocket costs as Medicare Supplement Plan G but comes with network restrictions and may require referrals.
The Medicare SELECT option can be available in any of the ten standardized Medigap plans. However, not all insurance companies offer all these SELECT plans. In addition, their availability may also vary depending on the region you reside in.
Suppose you're interested in a Medicare SELECT plan. In that case, you'll need to check if it's available in your state and if the insurance company offering it has a network of healthcare providers you are comfortable using. You can use Medicare's online tool ( Find a Medigap Policy
When it comes to insurance, whether it's health insurance or any other type of insurance, it's important to recognize that there is no single policy that can meet the needs of every individual.
If you're looking to reduce your out-of-pocket expenses, both Medicare Supplement Plans and Medicare Supplement SELECT plans offer the same degree of coverage (when you compare the same type of plan).
For example, as discussed earlier, Medicare Supplement Plan G and Medicare Supplement SELECT Plan G offer the same coverage for out-of-pocket expenses.
However, when choosing between these plans, it's important to consider the pros and cons of each one. Each plan has its own advantages and disadvantages, and what works for one person may not work for another.
Let's compare the pros and cons of these plans so that you can choose the plan that best fits your specific needs and preferences.
Medicare Supplement Plan VS Medicare Supplement SELECT plan
Many Medicare beneficiaries often get confused between a Medicare Supplement SELECT plan and a Medicare Advantage Plan
Medicare Supplement SELECT plans differ from a Medicare Advantage Plan in the following ways**:**
Medicare SELECT Plans work together with Original Medicare and help cover your out-of-pocket costs left after Medicare coverage. On the other hand, Medicare Advantage Plans are an alternative to Original Medicare.
Some Medicare Advantage Plans may cover your Part D prescription drugs, but Medicare Supplement SELECT plans don't cover prescription drugs. If you're enrolled in a Medicare Supplement SELECT plan, you must enroll in a separate Part D plan to cover your prescription drugs.
Medicare Supplement SELECT plans do not cover dental vision hearing
Medicare Supplement SELECT plans help cover your deductibles, copays and coinsurance. On the other hand, Medicare Advantage plans can require you to pay deductibles, copays and coinsurances.
Medicare Supplement SELECT or Medicare SELECT Plans help cover the coverage gaps of Original Medicare, just like a Medicare Supplement Plan.
If you're struggling to find a Medicare plan that is right for you, our advisors at Fair Square Medicare
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