How important is Medicare Supplement Insurance when it only covers what Medicare covers and you still pay 20%?

Read you policy carefully. Insurance Biz CT is correct. Also check out Medicare Advantage Plans available in your state. Talk to a local agent. Good Luck

The definition of a Med Supp is that it picks up the balance of what Medicare doesn't pay. Medicare leaves 20% and that is what the Supplement pays. If your Medicare 20% adds up to more than what supplemental coverage would cost (and it usually does), then it is a good deal for you.

I don't know what type of Medicare Supp plan you are looking at, but you can get coverage that will pay all of your Medicare deductibles and co-insurance. There are standard Medicare Supp plan designs, Plans A-J and are available in all states. Contact a local agent that specializes in health and/or Med Supp and they will be able to guide you through this complicated issue.