Definition: Medicare Supplement Insurance, also known as Medicare supplement or Medicare health maintenance organization, is a type of insurance that provides coverage for health benefits not covered by traditional medical insurance plans. This type of insurance typically includes parts A and B of the Affordable Care Act (ACA) plan, which are commonly referred to as "AARP" and "Medicare," respectively. The policy covers any form of medical care, whether it be primary or secondary care services provided outside of a hospital setting, with some restrictions on certain types of treatments. Medicare Supplement insurance is typically purchased by individuals who have signed up for Medicare without health coverage in the United States, or those who want to add their own coverage for the purpose of purchasing additional health benefits. The policy is intended to provide protection against unexpected medical expenses and to ensure that these expenses are covered under the ACA plan. The details of what is included in a typical Medicare Supplement insurance policy depend on the specific insurer's terms, but typically includes: - Primary care services provided by licensed professionals - Basic prescription drugs - Preventive services, such as mammograms, blood tests, and screenings - Specialty care services if prescribed by a doctor or other medical professional - Services that are covered under the ACA plan (AARP and Medicare) in addition to the primary care services These services typically include consultations, laboratory tests, and other non-invasive procedures. It is important to note that many individuals who purchase Medicare Supplement insurance may be required to pay co-pays or deductibles for some of these services. In addition, the policies generally do not cover any medical expenses related to injuries sustained while on the job or to illnesses contracted while on the job, although they may provide coverage for certain types of healthcare costs. Overall, Medicare Supplement Insurance is a type of insurance that provides health benefits beyond traditional medical insurance plans, and it can be an important tool for individuals who are looking to purchase additional coverage or for those who want to add their own coverage for the purpose of purchasing additional health benefits.

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