Comprehensive Medicare Supplement

What Does Comprehensive Medicare Supplement Mean?

Comprehensive medical supplement insurance is additional coverage for primary Medicare insurance. It does not cover basic healthcare; instead, it fills the gap between what primary Medicare pays and what the policyholder must pay out of pocket. This type of insurance does not cover long-term care, hearing aids, vision or dental care, eyeglasses, or private nursing services.

Comprehensive Medicare supplement insurance is also known as Medigap.

Insuranceopedia Explains Comprehensive Medicare Supplement

Medicare supplements were first introduced in 1949. As suggested by the term “supplement,” this type of insurance is designed to work alongside existing Medicare coverage. When primary Medicare insurance proves insufficient, a comprehensive medical supplement can be beneficial. It can help pay for co-payments, coinsurance, and deductibles that primary Medicare does not cover. Additional expenses, such as visits to the doctor or hospital stays, become deductibles covered by a Medicare supplement policy. While these insurance plans are helpful, they are not intended to replace primary Medicare coverage.