Here treatments are so expensive that the supplemental is taken up in the first month. Everything else is on Medicare.

@dalefvictor get a different plan! I have had several complete joint replacements, including home care r& months of rehab, and paid Nothing, not one dime....Medicare Supplemental plans, like the ones through AARP/United Healthcare, have No cutoff amounts, none

@AnneWimsey This is what we have, but as far as I understand they have paid their due and we are back to Medicare for the rest. The secondary only pays up to a certain amount.

@dalefvictor not true at all,ans other posts on here attest....but you need to be on the right plan! AARP has 800# with English-speaking counselors ("hi, this is Bob in Iowa!" ) They do Not work on commission, you answer their questions about your needs, they get you on the correct plan.

@AnneWimsey Thank you I now have a lot of work to do.