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Medicare Supplemental Insurance – Why Do You Need It?

When you're part of Medicare, you may think that all of your health, dental, and vision insurance needs are covered. However, Medicare doesn't cover everything. If you'd rather be safe than sorry, you need Medicare supplemental insurance to help fill in the gaps.

How does it work?

Since Medicare is funded by the government, it can't cover every single issue that comes up. In fact, Medicare only pays about 80% of your expenses – and that's after you've already paid a deductible.

What are some of the things that aren't covered?

If, for example, you take prescription drugs on a regular basis, they may not be covered under your Medicare benefits. Or, if you like to travel abroad, you may not be covered while you're out of the country. Or, if you wind up needing to stay in the hospital for any length of time, your Medicare benefits will not cover the entire bill.

If you don't want to run the risk of having to pay for these things out of your own pocket, Medicare supplemental insurance can help.

With it, you get additional insurance from a private company. Like any other private health insurance plan, you have to pay monthly premiums for it. Depending on the plan you get, though, it is well worth the expense.


A Medicare supplemental insurance plan also known as a Medigap is built to cover the gaps in Medicare. In example, it will help with extended hospital stays, Part A and Part B deductibles, and certain coverage outside the country. In fact, your Medicare Supplemental insurance plan can even cover 100% of your Medicare approved services depending on the plan you choose. Without a Medigap policy this gaps in Medicare could quickly turn into a financial nightmare.
But what about other types of insurance besides health insurance? Does a supplemental plan help with that, too?


There are supplemental plans that give you both dental insurance and vision insurance. That way, you can rest easy knowing that your teeth and your eyes will be taken care of – without putting a major strain on your wallet, or without having to depend on Medicare's limited resources!

And, because there are so many supplemental vision and dental insurance plans to choose from, it's easy to find a plan that gives you the coverage you need – at a price that you're comfortable with.

Footing the bills for your medical costs is something that no one likes to think about. Luckily, with Medicare supplemental insurance, you don't have to!

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