Medicare supplement policies aren’t a government benefit, like Parts A and B. They are insurance policies sold by private companies. Whether you buy a policy is up to you. Medicare supplement policies help pay for some of the expenses that original Medicare does not pay.
In general, a Medicare supplement policy only helps you with your cost sharing for Parts A and B, like deductibles, copays and coinsurance. They don’t cover long-term care (like nursing home care), routine vision, dental or hearing care, hearing aids, eye glasses, or private-duty nursing. Medicare supplement policies do not cover prescription drugs not administered by a provider.
All Medicare supplement policies provide an additional 365 days of hospital care during your lifetime, beyond your Medicare lifetime reserve. No Medicare supplement policy covers days in a skilled nursing facility beyond the 100 days Part A pays for. As a rule, there are no geographic limits on where you receive the care covered by your Medicare supplement policy, as long as the care is received in the United States. Some policies do offer coverage of some emergency care outside the United States.