Difference Between Original Medicare And Medicare Supplement Plans

Both the original Medicare and the Medicare supplement plans for 2019, might have undergone a few changes depending upon your state or area or job but either way, both are essential and provide benefits to you in your old age!

Difference between Original Medicare and Medicare supplement

Let’s discuss both by comparing them each:

Definition

Medicare

The health care benefits you receive from government once you reach the age of 65 or high.

Medicare Supplement

Medicare supplement plans for 2019 offers more advantages as compare to the original one. The difference is that it is created and regulated by federal government and are offered by private health insurance companies.

Coverage

Medicare

This one is said to cover only hospital and medical costs.

Medicare Supplement

This, in addition to hospital and medical costs, covers dental, vision, hearing and prescription drugs along with many other things depending upon the area.

Payment

Medicare

In this, you pay almost 20% of the cost or coinsurance for common health visits. That means no matter how much you’re getting billed by the doctor, you have to pay 20% of it.

Medicare Supplement

In this you have a fixed cost despite of your payments or bill. In other words, you are supposed to copay about 15% of the payment.

Travel Benefits

Medicare

If you get ill or sick during travel, then Medicare covers your expenses except for a few rare times where it doesn’t. Again, it can be specified thoroughly by your doctor or physician.

Medicare Supplement

The Medigap plans for 2019, covers emergency out of country as well. But it is better to consult the details with your doctor or physician thoroughly.

Accessibility

Medicare

The original Medicare setup is such that you can go to any doctor or facility that accepts Medicare.

Medicare Supplement

The Medicare supplement is such that it contains a fixed number of doctors and facilities you can go to.

Amount

Medicare

Medicare only pays for certain number of days in the hospital or nursing facility.

Medicare Supplement

Medicare supplement pays or covers almost all of your expenses after you’ve hit a certain dollar amount.

Enrollment

Medicare

Once you enroll for a Medicare policy, the hospital or any other facility will automatically put you in the traditional one or the original Medicare.

Medicare Supplement

In order to be enrolled in medical supplement, you have to specifically ask to be done so. Otherwise you will be put in the traditional category. It can be altered but it is best to clarify it beforehand.

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