7 Reasons Why You Need A Medicare Supplement Plan

If you are living in North Carolina and are on Medicare, then you know that it is a great program for covering many of your health care needs. However, there are some gaps in coverage that can leave you with high medical bills. That’s where Medicare supplement plans NC come in. In this blog post, we will discuss seven reasons why you need a Medicare supplement plan to fill the gaps in your coverage.

What Are Medicare Supplement Plans?

A Medicare supplement plan is a type of health insurance that helps to pay for some of the costs that are not covered by Medicare. These plans are also known as “Medigap” plans. There are ten different types of Medigap plans, each with its own set of benefits. You can choose the plan that best meets your needs.

Why Do You Need a Medicare Supplement Plan?

There are several reasons why you may need a Medicare supplement plan. Here are seven of the most important ones:

Reason #1: Pay For Medicare’s Deductibles.

Original Medicare, Part A, and Part B may have extremely high out-of-pocket expenses. Hospitalization is covered by Part A, whereas doctor visits and other outpatient treatments are covered by Part B. If you have a Medicare supplement insurance policy, you could be able to cover some or all of these deductible expenditures.

Reason #2: Pay For Medicare’s Coinsurance.

Coinsurance is the portion of your medical bills that you are responsible for paying after you have met your deductible. For example, if your doctor visit costs $100 and your coinsurance is 20%, then you would be responsible for paying $20 out of pocket. A Medicare supplement plan can help you pay for this coinsurance.

Reason #3: You Need Dental/ Vision Coverage.

Medicare does not cover dental or vision services. If you need these types of services, you will need to purchase a separate policy or plan. A Medicare supplement plan can help to pay for some of the costs associated with dental and vision care.

Reason #4: You May Need Extra Coverage For Prescription Drugs

Part D of Medicare is the prescription drug benefit. While this benefit can help to lower the costs of your prescription drugs, it does not cover all drugs. If you need extra coverage for prescription drugs, a Medicare supplement plan can help.

Reason #5: You Need Coverage For Foreign Travel

If you travel outside of the United States, you will need to have a Medicare supplement plan to cover the costs of your medical care. Medicare does not cover any medical expenses that you incur while outside of the country.

Reason #6: You Have End-Stage Renal Disease

If you have end-stage renal disease, you will need a Medicare supplement plan to help pay for your dialysis treatments and other related expenses. Medicare does not cover all of the costs associated with this condition.

Reason #7: You Are Under The Age Of 65 And Have A Disability.

If you are under the age of 65 and have a disability, you may be eligible for Medicare. You can enroll in Part A and Part B, or you can choose a Medicare Advantage plan. You may also be able to purchase a Medigap plan if you meet certain conditions.


There are a variety of reasons why you may want to get a Medicare supplement insurance policy. We’ve addressed seven of the most essential ones in this blog post. If you’re on Medicare and have concerns about your coverage, or if you’re considering purchasing a Medicare supplement insurance plan, please contact us. We’d be delighted to assist you in selecting the best solution for your needs. Thank you for taking the time to read this post!