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 offers three different plans (availability varies by state) at different levels of coverage for your needs.

Talk to your State Farm® agent today about Medicare Supplemental Insurance and if it may be a good option for you.

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