Medicare supplement plans are available to seniors who are not enrolled in Medicaid, but need help paying for their health care expenses. Many Americans do not understand the difference between supplemental insurance and Medicaid. They are often confused because of the many types of insurance plans that can be purchased. Purchase Medicare supplement plans 2021
The purpose of supplemental plans is to help seniors pay their bills while they are still working. They are more than just paying for their regular premiums. There are several different types of supplemental plans. Each one is designed to help with a specific health care concern.
There is the Ambulatory Health Care program, which provides coverage for routine services such as doctor’s visits, STD tests, emergency room visits, prescriptions, and many other kinds of health care. It also includes Dental and Vision care, including many dental benefits and vision benefits. Senior Citizens, non-disabled adults, disabled adults, and disabled children under the age of 19 can enroll in this plan. This is offered only if the beneficiary is at least 62 years old.
Seniors are covered when they visit a local VA clinic or nursing home for services such as dental care. The benefits can be provided in group, private, or an individual program. These types of programs offer Medicare Supplement insurance. This includes prescription drug coverage, Medicare Part D prescription coverage, catastrophic coverage, and many other types of plans that offer the same kind of coverage.
If the beneficiary is 62 years old or older, and is a non-disabled adult, the Supplemental Plan for Children, or SPCC, may be the best choice. This provides coverage for all children, including those who are covered by Medicaid. It also includes many other kinds of care for children. This plan is not available to senior citizens, non-disabled adults, or disabled adults. Seniors enrolled in the Plan may also be eligible for Medicare.
Seniors enrolled in the Home Health Care Benefit may be able to receive many kinds of care from home. These plans are not covered by Medicare or Medicaid. The costs are reimbursed by insurance companies and this type of supplemental insurance coverage is known as home health care. Home health care plans are offered for people 65 years of age and older.
Seniors who have an impairment that affects the ability to walk or speak may qualify for coverage for assistance in those ways. Assistive devices and aids may be covered. These are things like hearing aids, Braille displays, special medical equipment, and electric wheelchairs. If a service dog is being used, then it will be included.
Seniors who are receiving Social Security benefits may be able to receive coverage for such benefits as short-term residential care and companionship care through a Supplemental Plan. The supplemental plan is often referred to as a nursing home plan. Seniors can also receive this kind of supplemental plan when they are receiving services through the Dental Health Services. In fact, the Medicare supplement for dental care is sometimes referred to as a Dental Health Services plan.
Seniors who are receiving supplemental plans from a private plan for mental health may be able to receive services such as in-home assisted living and crisis counseling. This program is offered under Medicare Part B and covers about 40% of the cost of some of the services that seniors receive from home. Home health care aides can also be covered. These programs cover the entire cost of care and cannot be paid out of the Medicare Supplement Plans.
Seniors who have a chronic condition that requires hospitalization and/or surgical procedures may be able to qualify for coverage through Medicare. These services may include mental health treatment, physical therapy, hearing aids, and hospitalization in nursing homes. Seniors who have a severe physical or mental health problem can be covered under this plan and there is a limit on the amount of out-of-pocket expenses that are paid.
Another category of supplemental plans is the Disability Insurance program, which provides coverage for services related to such as blindness, paralysis, and deafness. Nursing home services are covered in this program.
As with any type of insurance, the Medicare Supplement Insurance Program is managed by the U.S. Government. It is not a right that is given to you.