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Medigap Insurance Plans Don’t Cover Everything You Need

What don't Medigap plans cover?
11/05/2022
  • Medicare with Melissa

Medigap Insurance Plans work with Original Medicare and act as secondary insurance. These plans are also commonly known as Medicare Supplement Plans.

Medigap Plans can be a great choice for Medicare beneficiaries and provide excellent coverage. There are 12 standardized Medicare Supplemental Plans to choose from and coverage will vary depending on the plan you choose.

So, what do Medigap Plans cover? Not cover? In this article, you can expect to have a better understanding of the gaps Medicare Supplement Plans can leave to the member.

What do Medigap Plans Cover?

Medigap plans help cover Medicare deductibles, co-pays, and co-insurance.

Remember, Medigap Plans work with Original Medicare. This means that if Medicare approves the service, the Medigap Plan must also pay its portion of the remaining balance. However, if Medicare does not approve a service, then your Medigap plan will not either.

With that said, Medigap coverage is different depending on the plan you choose. The most well-known Medigap Plans are; Medigap Plan F, Medigap Plan G and Medigap Plan N.

Below is our 2023 Medigap Plans Benefit Chart. This chart shows a side-by-side glance at the benefits each plan offers.

Should I choose Plan F or Plan G?

That depends. Not everyone is eligible for Medicare Supplement Plan F. If you turned 65 or became new to Medicare after January 1st, 2020, you are not eligible for Plan F.

If you have a Plan F and want to change to another Plan F, you can still do that (you are grandfathered in).

Medigap Plan F is the most comprehensive plan you can purchase. It does cover all Medicare approved services 100%. Plan F is also the most expensive plan, for that reason.

Medicare Plan G is a great alternative and cost-effective solution to Plan F. The coverage is nearly the same, the only difference is the Part B deductible. See our cost example below of Plan F vs Plan G, indicating the annual savings with Plan G over Plan F.

Do Medicare Supplement Plans cover dental?

No, dental services are not a covered, standardized benefit with Medicare Supplement Plans. However, there are some companies that do include additional “member benefits” that may include discounts for dental services.

Does Medicare cover hearing in 2023?

Original Medicare does not cover or pay for hearing aids, hearing tests or fittings. With that said, there is a big change that takes effect October 24, 2022 that will no longer require a prescription for hearing aids. This means they can be purchased over the counter. Wal-Mart will offer a hearing-aids for as little as $199.

Will Medicare help pay for eyeglasses?

Medicare does not cover routine vision test, including cost for eyeglasses, frames and contact lenses. You can purchase vision insurance that will cover you independently from Original Medicare. You could also choose to enroll in a Medicare Advantage Plan that include prescription drug coverage.

Does Medicare cover my prescriptions?

No, Medicare does not cover prescriptions.

Medicare Part B will pay for infusion treatments and other medications that are administered at a physician’s office. Otherwise, the prescriptions you fill at the pharmacy will fall under your Medicare Part D coverage.

Part D coverage can be purchased as a stand-alone insurance plan, or through a Medicare Advantage Plan.

Best 2023 Medigap Plans

At Senior HealthCare Solutions, we can help you find the best 2023 Medigap Plans. We represent over 25 top-rated Medigap Insurance companies and can provide you quotes within minutes. Call us today, 866-MEDIGAP (866-633-4427) and one of our licensed agents will assist you now.

You can also compare 2023 Medigap Plans Online, click here.

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.

-Melissa

Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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