A Medicare Insurance Supplement is health insurance sold by private insurance companies
to fill the "gaps" in Original Medicare Plan coverage. Medicare Insurance Supplement
policies help pay some of the health care costs that the Original Medicare Plan doesn't
cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare
and your Medicare Insurance Supplement policy will both pay their shares of covered
health care costs. received under this plan.
Medicare has several parts. One part of the Medicare program is called Part A. You
usually don’t pay a monthly premium for Part A coverage if you or your spouse paid
Medicare taxes while working. Below is an explanation of Medicare Part A and the
If you aren’t eligible for premium-free Part A, you may be able to buy Part A if
you meet one of the following conditions:
• You’re 65 or older, and you have (or are enrolling in) Part B and meet the citizenship
and residency requirements.
• You’re under 65, disabled and your premium-free Part A coverage ended because you
returned to work.
Medicare Part A is a type of hospital insurance provided by Medicare. The coverage
provided by Part A includes inpatient care in hospitals, nursing homes, skilled nursing
facilities, and critical access hospitals. Part A does not include long-term or custodial
care. If you meet specific requirements, then you may also be eligible for hospice
or home health care.
Medicare does not cover everything, nor does it cover the total cost for many of
the covered services or medical supplies. Coverage amounts are based on which Medicare
plan you have. Part A helps cover only the medically necessary services below:
• Inpatient care in hospitals (such as critical access hospitals, inpatient rehabilitation
facilities, and long-term care hospitals)
• Inpatient care in a skilled nursing facility (not custodial or long term care)
• Hospice care services
• Home health care services
• Inpatient care in a Religious Nonmedical Health Care Institution
Whatever health care insurance coverage you choose, make sure you have a clear understanding
of all the options, coverage and premiums.