Make Medicare Supplement Plan J, Medicare Part D – Your One-Two Punch

In addition to Medicare Supplement Plan J, Medicare Part D may be your ticket to good senior health care. Plan J is a comprehensive plan designed to cover the gaps in Medicare. Part D is the drug coverage section that was added to Medicare a few years back.

In combination, these two polices can provide good coverage at a decent price. Patients today can expect to pay medical bills that Medicare does not cover. This can add up to thousands of dollars very quickly. By combining drug coverage and a supplement plan, they can avoid these additional costs.

What does Medicare Supplement Plan J, Medicare Part D cover? The supplement plan is the most comprehensive supplement offered. It provides 100% coverage of deductibles for both Parts A and B. It also deals with Part A coinsurance and covers up to 365 additional hospital days.

For Part B, the supplement manages the coinsurance and copayments for doctor, lab, and outpatient costs. Plan J covers 100% of the additional Part B costs that doctor’s can charge the patient. This plan adds coinsurance coverage for skilled nursing facility stays over 21 days. Plan J provides coverage of at-home recovery services and foreign travel emergencies. The biggest draw to Plan J, though, is the coverage of preventative care that Medicare does not cover.

What else does Medicare Supplement Plan J, Medicare Part D cover? Part D provides coverage of drug costs. These can add up quickly if you have multiple medications or high cost ones.

With a Part D plan, your costs will include the monthly premium, annual deductible and co-payments on the drugs. In combination, these two plans provide an excellent way to cover all of your bases. The costs for medical care as well as drugs are going up swiftly each year. Without the right coverage, you can find yourself devastated financially.

How will you know if Medicare Supplement Plan J, Medicare Part D is right for you? Both of these types of plans are provided by private insurance companies. For plan J, the coverage will be the same from every company.

But, your premiums can be very different. For Part D plans, you will need to find the best price as well. By shopping both around, you are likely to find a good combination of coverage and prices. It is in your best interest to shop these around each year to find the best deal for your wallet.