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Benefits are designed to work with Part A & B of Medicare, polices are "Guaranteed Issue" within a 6 month window of obtaining Part B coverage and all policies have "Standardized" benefits. This removes some of the confusion associated with these products as all companies are required to offer the same benefits for the plans they offer though not all companies offer the same plans.
Medicare Supplements are designed to cover the recognized expenses that are not covered by Medicare. Medicare changes the dollar amount of these expenses each year and the Medicare Supplement policies automatically adjust benefits to cover those expenses.
Individuals on Medicare are eligible for prescription drug coverage under a Part D plan if they are receiving benefits under Medicare Part A and/or Part B. Beneficiaries obtain the Part D drug coverage through two types of plans administered by private insurance companies: the beneficiaries can join a standalone Prescription Drug Plan (PDP) for drug coverage only or they can join a public Part C health plan that jointly covers all hospital and medical services covered by Medicare Part A and Part B at a minimum, and typically covers additional healthcare costs not covered by Medicare Parts A and B including prescription drugs (MA-PD).