Originally Posted by
drz
Most policies require Medicare be your primary insurance when you are eligible for it. In these cases a supplemental policy will usually cover what Medicare allows for your co-pay. A secondary insurance pays its normal amount deducting what Medicare has paid from the benefits you are allowed under your policy. The big difference is that a supplemental only pays if procedure is allowed under Medicare and then only covers the co-pay part. A secondary policy will cover things Medicare doesn't cover and is much better deal for you. The amount of deductibles for the policy can vary.
If Medicare is actually your secondary insurance they probably allow their usual benefits after deducting whatever your primary insurance insurance paid so then it might not pay anything extra in most cases.
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