We had supplemental insurance as a retiree, but found out that if Medicare rejected the claim, they did too, and they did not provide drug coverage.
People need to be careful of supplemental insurance. We were spending more on premiums than we ever got back in a year from reimbursements or coverage.
ding, ding, ding....we have a winner....
same thing goes for treatments....if medicare doesn't think you need it, no other insurance is going to cover it...if medicare doesn't think you need to be admitted to a hospital, they will not pay for it....they'll play games like they will give the doc up to 48hrs to come up with a reason to admit the patient otherwise, patient is decertified and has to do self pay.
in my state, you have to run oxygen levels at 88% or below to qualify for home oxygen...and they will not pay nor other wise provide it...sometimes the docs can write in something like "oxygen with activity"....and it'll get covered...