What is the function of supplemental coverage under Medicare?

The function of supplemental coverage under Medicare is to cover costs that are not included in standard Medicare plans. This type of coverage, known as Medigap, is designed to fill in the "gaps" of Medicare by covering out-of-pocket costs such as copayments, coinsurance, and deductibles. Many individuals on Medicare find that standard coverage does not fully address all their healthcare expenses, making supplemental plans a valuable option for managing those additional costs and ensuring more comprehensive healthcare coverage.

Supplemental coverage is not meant to provide emergency medical care specifically, nor does it aim to offer free insurance to low-income individuals or replace Medicare entirely. Instead, it works alongside Medicare to improve the financial protection available to beneficiaries, enhancing their overall healthcare experience.