Can I get dental coverage from a Medigap policy?
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Asked December 31, 2012
Medigap is type of insurance policy intended to supplement your Medicare coverage. Medigap is not a government sponsored plan, but is sold by private insurers. In order to qualify, you must be enrolled in Medicare Part A and Part B. You may be enrolled in the Medicare Advantage plan, but you should drop that plan before your Medigap coverage goes into effect.
Medigap insurance does not cover everything. It does not include dental coverage, vision, or hearing, for example. Medigap also excludes coverage for private nursing and long-term health care. If you were considering Medigap for any of these reasons, it would be better to look for other supplemental health plans. If necessary, you can add dental or vision insurance from other sources, but you cannot use your Medicare or Medigap insurance to pay for those things.
Medigap is meant to cover some of the costs not covered by Medicare, including copayments, coinsurance and deductibles. With Medigap, you will pay less out of pocket for medical care, and you will have access to benefits not offered through Medicare, including paying for doctor visits if you travel outside of the United States.
Medigap does not pay for everything. It is meant to supplement Medicare, not replace it. Medicare pays the defined portion, and then your Medigap policy kicks in to pay for costs it covers. Unlike Medicare Advantage, Medigap is not part of your Medicare coverage, but is instead a supplemental policy which makes your existing Medicare coverage more useful and less expensive. Medigap has separate premiums that must be paid in addition to the premiums for your Medicare Part A and Part B insurance.
Answered December 31, 2012 by Anonymous