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My 96 year-old mom has Medicare A only. Instead of Medicare B, she has a supplementary plan which reimbursed Medicare B items. Now she is in a residence with Skilled Care, and her supplementary insurance reimburses NOTHING for doctor's visits, physical therapy, etc. (what Medicare B usually does). What is the best strategy as to getting any reimbursements for these expensive items. She must pay everything out of pocket for these services. THANKS!

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My limited understanding of supplemental insurance is that it is intended to cover things NOT covered by Parts A and B, not as a substitute for B. Who arranged for this policy?

I agree that you should call the customer service folks at the insurance company and discuss what is and isn't covered.
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Who's the supplementary plan with?

Look through their terms and conditions and see if there's anything you can argue about. Otherwise, make a note to self: beware false economies.
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I don't think there are any strategies. Your mom did not opt to pay Medicare Part B which covers out patient costs. Strategies to get those fees waived is that what you are asking? I don't know of any. No Part B, then those fees are paid out of pocket, no reimbursement. Who would reimburse you?
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