PandS wrote:
... The plans my former employer offers are Medicare Supplement Plans, and they all include Medicare Part D Prescription Coverage. These are not plans offered to the public....
If its not one of the official Medicare Supplement Plans A to N available to the general public, then technically its not a medicare supplement, its a "retirement health plan". Your employer may refer to it as a medicare supplement and it may have similar coverages, but since its a private plan it does not come with the universal acceptance that the real medicare plans come with. My comments above were all related to the publicly sold medicare supplement plans. We have no way of knowing what a private employer plan may or may not include, its not regulated like the publicly sold plans. So you should not assume this private employer plan would be accepted anywhere except the providers who agreed to participate in this private plan. check the plan details
as it says on this Medicare site
https://www.medicare.gov/supplement-other-insurance/retiree-insurance/retiree-insurance.html
"Retiree coverage isn't the same thing as a Medigap policy but, like a Medigap policy, it usually offers benefits that fill in some of Medicare's gaps in coverage—such as coinsurance and deductibles. Sometimes retiree coverage includes extra benefits"
