What is a basic benefit provided by a Medicare Supplement plan?

A Medicare Supplement plan, also known as Medigap, is designed to fill the gaps in coverage provided by Original Medicare. One of the fundamental benefits of Medicare Supplement plans is coverage for the first three pints of blood required for medical procedures within a calendar year. Under Original Medicare, blood that is needed for transfusions is subject to a deductible, and only after the deductible is met will Medicare cover any additional pints. However, Medigap policies typically cover these initial three pints, which helps beneficiaries avoid out-of-pocket costs for a service that can be critical in many medical situations.

The other options provided do not directly relate to the basic benefits of Medicare Supplement plans. Prescription drug coverage is typically not included in Medigap policies; instead, individuals would need to enroll in a separate Medicare Part D plan for that coverage. Routine dental exams are also not a standard benefit of Medigap, although some Medicare Advantage plans might offer these services. Wellness visits may be covered by Original Medicare, but they are not a specific benefit associated with Medicare Supplement insurance. Thus, the first three pints of blood payment is a clear and basic benefit that establishes the purpose of Medigap coverage in managing medical expenses.