Drug coverage is ostensibly the primary reason why users go in for Medicare Supplement Plans. Apart from the fact that drug costs keep going up like crazy, there are other benefits too in the field of drug coverage that makes a Supplement Plan one of the most interesting features in insurance today. As you know, a Supplement Plan is one that helps you take care of any kind of additional expense that you will not get coverage for with your Medicare policy. You go in for this so that you are able to get your bills, doctor visits, and a host of other expenses covered and reimbursed.
Why Are Drugs The Main Issue?
Since early 2020, the whole world shut down and there were very few shops and establishments that were open. Many people were caught unawares and did not have the time or resources to stock up medical supplies. There were some patients who required the drugs on an emergent basis – but they were not available. Some had to pay high rates for the same drug that they had earlier bought at a cheaper rate. All this was quite new and scary for most people as they did not know how to deal with this kinda situation. It is in trying times like these that we look forward to the benefits of having any one of the Supplement Plans or Medigap plans that could take care of this problem. Paying for medicine is understandable, but paying for something at double the rate is both unfair and distressing too.
Do Prescriptions Matter?
Yes, of course; this is where your primary healthcare provider comes in. With a prescription from your doctor, you could easily get the drugs that you require – of course, a Supplement Plan is essential. If these are drugs that are going to be part of your regular routine, you could ensure that your doctor mentions this in your prescription. Most Medigap plans provide for this kind of drug coverage which helps senior citizens or chronically ill patients bring down their medical expenses.
You should also remember that it is not possible to have drug coverage in both plans: Medigap and Medicare. If you have a drug plan in your Medicare, then you cannot apply for one in your Medigap too. That would be a conflict and result in your premium being hiked for misrepresentation. You need to keep the information on your drugs, clear and true to avail of the drug coverage.