There is a rule of thumb that you can use when trying to figure out what services are going to be covered by your Medicare Supplement/Medigap plan.
The rule of thumb goes, if Medicare covers the service, the Medigap plan will cover the service. If Medicare does not cover the service then usually the Medigap plan will not either.
This includes things like routine vision, routine dental, Long Term Care, acupuncture, foot care for non diabetics, etc.
Medicare will cover almost anything that is deemed medically necessary so that covers a majority of medical services provided day to day but obviously it’s not going to cover you for everything.
Also, to what extent your Supplement pays for the Medicare approved services is a different story as each plan covers a different number of the “gaps” in Medicare. Plan F for example will pay for all the out-of-pocket expenses under Original Medicare. Plan G, you are going to have a deductible to meet first, under Part B.
Medigap plans have been standardized so this should be uniform all across the nation.
Better to know now instead of getting a surprise later.
Hope this helps.
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Thanks for reading!
