Compare Medicare Supplement Insurance Plans
Medicare Supplement Insurance, also called Medigap, helps pay some out-of-pocket costs that Original Medicare does not fully cover, including copayments, coinsurance, and deductibles. Complete the form below and a licensed insurance agent can help you review Medigap options in your area.
What Is Medicare Supplement Insurance?
Medicare Supplement Insurance works with Original Medicare. It does not replace Medicare Part A or Part B. Instead, it helps cover some costs left after Original Medicare pays its share. As a result, many people use Medigap to make healthcare costs more predictable.
How Medigap Helps Lower Out-of-Pocket Costs
Original Medicare covers many approved medical services. However, you may still owe deductibles, coinsurance, or copayments. Medigap helps reduce those remaining costs. Therefore, it can help people who want stronger cost control with Original Medicare.
Review Medicare Supplement Options Today
Speak with a licensed insurance agent to compare Medicare Supplement Insurance options, review Medigap costs, and understand how coverage may fit your healthcare needs.
Helps With Cost Sharing
Medigap may help pay your share of Original Medicare costs. For example, it may help with coinsurance, copayments, and deductibles.
Works With Original Medicare
You generally need Medicare Part A and Part B before you can buy a Medigap policy. In addition, Medigap supports Original Medicare rather than replacing it.
Supports Provider Flexibility
Original Medicare lets you use providers that accept Medicare. As a result, many people review Medigap when they want fewer network concerns.
Medicare Supplement vs Medicare Advantage
| Feature | Medicare Supplement | Medicare Advantage |
|---|---|---|
| How it works | Works with Original Medicare | Alternative way to receive Medicare benefits |
| Main purpose | Helps pay Original Medicare cost-sharing | Bundles coverage through a private plan |
| Prescription drugs | Usually requires separate Part D coverage | Often includes drug coverage |
| Can you have both? | No, Medigap does not work with Medicare Advantage | No, Medigap cannot pay Medicare Advantage costs |
When to Review Medigap Options
Many people review Medigap when they first enroll in Medicare Part B at age 65 or older. Also, federal law gives a six-month Medigap Open Enrollment Period that starts the first month you have Medicare Part B and are age 65 or older.
People Turning 65
New Medicare beneficiaries often compare Original Medicare plus Medigap against Medicare Advantage before choosing a coverage path.
People Who Want Cost Predictability
Medigap can help reduce uncertainty around Original Medicare cost-sharing. Thus, many people compare plans before making a final choice.
Frequently Asked Questions
What does Medigap help cover?
Medigap helps pay your share of costs for covered Original Medicare services, including certain copayments, coinsurance, and deductibles.
Do I need Medicare Part A and Part B?
Yes. You generally need Original Medicare Part A and Part B before you can buy a Medigap policy.
Is Medigap the same as Medicare Advantage?
No. Medigap supplements Original Medicare. However, Medicare Advantage is another way to receive Medicare coverage through a private plan.
Can I have Medigap and Medicare Advantage together?
No. Medigap does not work with Medicare Advantage plans.
Request Medicare Supplement Help
Compare your Medigap options before you choose coverage. A licensed insurance agent can help you review your options.