Reasons to Consider Medicare Supplemental Insurance

Reasons to Consider Medicare Supplemental Insurance

Medicare helps protect eligible individuals from a number of medical expenses, but it may not cover all health care costs. Here's a breakdown of Medicare coverage and the outstanding costs a supplemental plan can pick up.

Medicare Coverage and Costs

Original Medicare is split into Parts A and B.

  • Part A covers hospital stays, skilled nursing care, hospice and some home health care.
  • Part B covers some doctors' visits, medical supplies, preventative services and outpatient care, such as rehabilitation.

Medicare may not cover deductibles, copayments or coinsurance.

How Medicare Supplemental Insurance Can Help

Medicare Supplemental Insurance can help pay some of the costs that Medicare doesn't cover. These costs include:

  • Part A coinsurance, deductibles and extended hospital stays
  • Part B coinsurance and deductibles
  • Hospice coinsurance
  • Skilled nursing facility coinsurance
  • Emergency care in a foreign country
  • Blood transfusions

While the federal government administers Medicare, Medicare Supplemental Insurance is available through private companies.


State Farm®¬†(including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.

Because insurance protection is a contract, any coverage descriptions in this article are general only and are not statements of contract. All coverages are subject to all policy provisions, including applicable endorsements.