Medicare Supplement

  • Tag : Medicare Supplement

What Are Medicare Supplements ?

by Kristin P. Sinclair  – A Accu Tax  – February 1, 2018

Medicare Supplements are policies sold by private insurance companies designed to pay many of the health care costs not covered by Original Medicare. Some Medicare Supplements will feature additional benefits; these are value added features. Gym memberships, fitness opportunities at the local gym, or training at home with self directed memberships, plus optical and pharmacy discounts. Some Medicare Supplement plan designs have coverage for Foreign Travel emergencies. Emergency foreign travel expenses may be covered with certain plan designs.

Medicare Supplements are also known as MediGap policies. These plans help to fill in the gaps in Original Medicare. Medicare does not cover all of your medical costs. You can choose a Medicare Supplement to help fill some of these gaps. Medicare offers coverage for medical care that is medically necessary, your Medicare Supplement offers coverage for items that are medically necessary based upon the plan design you select. Medicare supplement Plans include: A, B, C, D, F, HDF, G, K, L, M, N.

Medicare Supplement plans are standardized plans. Which means the Federal Government has determined that plans with a particular letter designation will have a set of defined coverages. No matter which insurance company offers the product – the plan is identical. Once you have selected and accepted your Medicare Supplement Plan, then you will have your premiums applicable to your selected plan. You pay your premiums and you can keep your Medicare Supplement plan as long as you pay the applicable premiums for the coverage you have selected. The policy renews and can not be canceled unless you chose to cancel the policy. You can travel through out the USA and not worry about networks. This means you can normally receive care from any doctor and any medical facility that accepts Medicare.

When you have a Medicare Supplement you should also have a separate Prescription Drug Plan (PDP). Please note that Medicare Supplements also known as Medigap Plans normally do not cover the prescription medications which would be covered by stand-a-lone PDPs. These PDPs normally cover both Name Brand Rx drugs and Generic Rx drugs. If you have VA Benefits, then probably only will have coverage for your Generic Rx drugs.

Original Medicare alone is not enough coverage to protect your financial interests from health care costs. Let us help you find the Medicare Supplement that can help you with those costs today and tomorrow.


Updated in Charlotte NC and Charleston SC

by Kristin P. Sinclair   A Accu Tax – Rock Hill SC

(803)329-0615   February 1, 2018

KPS: More information is also available at


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11 Questions for Home Health Care Providers

by Donn J. Sinclair, MBA – March 15, 2018

When recovering from an injury or illness, your Medicare coverage and your Medigap or Medicare Supplement may pay some of the Home Health Care costs that you incur. When selecting a home care agency for you or a loved one, there are important questions to ask when interviewing home health care agencies.

  1. Private duty home care – what year did the agency first offer that service ?
  2. State licenses – are the agency staff and home health care agency properly licensed in your state ? More specifically, properly licensed to provide care level your physician ordered ?
  3. Which home health care agency staff member coordinates with the patient’s physician to implement the physician developed plan of care ? The plan is evaluated and updated by the agency on what schedule ?
  4. What daily notes are maintained to monitor the progress of the patient ?
  5. Who and how is quality of care supervised and updated ? How frequent are unscheduled agency supervisory visits on the agency staff ?
  6. What are the home health care agency ongoing training mandates for their caregivers ? Who supervises the training ?
  7. How and by whom are after normal business hour emergencies handled ?
  8. Does the home health care agency have on staff nurses, social workers, physical therapists, and other qualified professionals available to provide needed in home care ? If not, with which providers does the home health care agency have an established working relationship ?
  9. How do you obtain a written copy of the home health care agency’s privacy policy, ethics code, and mission statement ?
  10. What screening techniques are used to screen caregivers ? Do these include reference checks, driving records, credit checks, and criminal background investigations ?
  11. Are the home health care agency caregivers W-2 employees or W-9 subcontractors ? Are there any home health care agency incidents of failure to file payroll tax reports, or incidents where the agency failed to pay taxes on a timely basis ?

When it comes to selecting a home health care agency, you should follow the Boy Scouts motto “Be Prepared”. Make certain that you and your loved ones get the care they require and deserve. Also make certain that Medicare and your Medicare Supplement pay as they should for the care received.


Donn J. Sinclair, Winthrop MBA

in Charlotte NC and Charleston SC

December 5, 2017   (803)329-0609

DJS: More information is available at

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