![]() Those insured continue to use the same doctors who accept Medicare. With just a few exceptions, these programs are strictly financial – they include no direct medical care. Medigap plans are private insurance programs that restructure the payments required and potential liabilities incurred under Medicare Parts A and B. Medicare does not cover dental, optical, or some other medical needs.These are often less than payments offered by health insurance companies. Medicare specifies limits on medical payments by service. Physicians and other medical providers do not need to accept Medicare patients. ![]() Co-pays are required, and they are unlimited.
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