Combining Medicare Part A with Medicare Part B with a Supplemental Medicare Plan

by Derrick Johnson

Most people have both Medicare Part A and Medicare Part B coverage. This combination provides all the hospital and medical coverage that is available under Medicare. The two parts of the Medicare program are intended to work together to give participants a broad range of coverage, although it is not total coverage.

In the past, Medicare has not provided protection for outpatient prescription medications. The Federal Government introduced legislation in 2003 to provide benefits for prescription drugs. In 2006 the new program went into effect. Since Medicare must approve all medical procedures is very important that each individual have a complete understanding of their Medicare coverage.

Each part of Medicare provides benefits for a different type of care and Medicare Part A and Medicare Part B have different co-payments, limits and out-of-pocket expenses. When participating in Medicare Part A and Part B it’s akin to having two separate insurance policies. Actually if you take Medicare Advantage into consideration it’s more like having three different plans.

Medical necessity is required for Medicare to provide coverage and the treatment must be deemed appropriate for the medical condition. Standard medical guidelines as dictated by health-care professionals are used to determine the appropriate level of care. Un-orthodox and unusual treatments are typically not covered by Medicare. The insured has the right to appeal a Medicare denial if they do not agree with the Medicare denial.

Medicare must first approve an individual charge before any Medicare Supplements or Medigap plans will pay the remaining portion.

Medicare Supplement plans are standardized all plans are labled with the letters A-L. Regardless of which company offers the Medicare Supplemental policy, all similarly lettered plans do exactly the same thing. Even though the plans being offered are the same, the price the carrier is charging can vary greatly from one company to the next.

The most popular plan of the twelve plan choices is Plan F. Plan F covers 100% of all overcharges and that is why most people choose it. Overcharges are the amount of the Part B expense which exceeds the Medicare allowable amount. Because the majority of hospitals and physicians except the Medicare approved amount, Plan F may not be necessary. Alternative plans such as Plans C, D or G may be a better value.

About the Author:
Derrick Johnson is an expert in the field of Medicare Supplemental Insurance . For additional information on Medigap Insurance , Derrick may be contacted at 1-800-495-1915.

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Written by Derrick Johnson on December 10th, 2009 with no comments.
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