You need a supplemental plan to take up what Medicare doesn't pay. That will also depend on how much your supplemental plan will pay. Mine pays it all that Medicare doesn't pay. And I have found that if Medicare does not allow anything for a procedure my supplemental plan won't pay anything either.

Perhaps you could go on the Medicare site and explore. Or ask the insurance company to explain what a supplemental plan will do. There are several supplemental plans depending on which company you go with. Example: Blue Cross Blue Shield. There are many supplemental plans and it certainly can be confusing and it takes some research into it. Not every plan or supplemental plan works for everyone. You have to decide what will work for you.

Of course none of it is cheap in this day and age.