Forum Discussion
jrp
Jul 17, 2016Explorer
"" The differences between them being the amount of co-pays, and one that also covers vision and hearing ""
If so, then that one is Not a real medicare supplement. The medicare supplement plans A thru N must comply with the federal definitions & requirements for each plan. Medicare does not cover vision, hearing or dental, therefore No medicare supplement plan covers vision & hearing. Any company that says their medicare supplement does cover those is lying. Only "Medicare Advantage" type plans cover hearing & vision, and those are not real medicare supplement plans. don't be tricked into thinking an advantage plan is the same as a supplement plan, they are completely different animals.
A real medicare supplement plan will be honored anywhere in the country. If a provider accepts medicare, then by law they must accept your medicare supplement, regardless if its BCBS or xyz company. The doctor or hospital bill Medicare, then Medicare coordinates with your medicare supplement company. The doctor or hospital rarely has any contact with the supplement company and gets the same payment regardless if its BCBS or xyz.
However, a medicare advantage plan has no such guarantee. Its not backed by medicare, its purely private insurance and no one has to accept it, anywhere.
If so, then that one is Not a real medicare supplement. The medicare supplement plans A thru N must comply with the federal definitions & requirements for each plan. Medicare does not cover vision, hearing or dental, therefore No medicare supplement plan covers vision & hearing. Any company that says their medicare supplement does cover those is lying. Only "Medicare Advantage" type plans cover hearing & vision, and those are not real medicare supplement plans. don't be tricked into thinking an advantage plan is the same as a supplement plan, they are completely different animals.
A real medicare supplement plan will be honored anywhere in the country. If a provider accepts medicare, then by law they must accept your medicare supplement, regardless if its BCBS or xyz company. The doctor or hospital bill Medicare, then Medicare coordinates with your medicare supplement company. The doctor or hospital rarely has any contact with the supplement company and gets the same payment regardless if its BCBS or xyz.
However, a medicare advantage plan has no such guarantee. Its not backed by medicare, its purely private insurance and no one has to accept it, anywhere.
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