Do beneficiaries need to pay their monthly Medicare Part B premium if they are paying for a Medicare Supplement plan?

The correct answer is that beneficiaries must still pay their monthly Medicare Part B premium, even if they are enrolled in a Medicare Supplement plan. Medicare Supplement plans, also known as Medigap plans, are designed to help cover some of the costs that Medicare does not pay for, such as copayments, coinsurance, and deductibles. However, they do not replace or get rid of the need for Medicare Part B coverage.

Beneficiaries must maintain their Part B coverage and, as part of that, continue to pay the associated premium. This ensures they have access to the full range of benefits offered under Medicare. A Medicare Supplement plan merely supplements the coverage provided by Medicare; it does not eliminate the necessity for Medicare enrollment or payment.

Understanding this distinction is vital for beneficiaries as it can affect their budgeting and healthcare planning.