Medicare Supplement coverage
Keep Original Medicare and get help with costs such as deductibles and coinsurance. Understand your choices, what they cost, and when to enroll.
Keep Medicare. Add support.
Medicare Supplement Insurance, also called Medigap, is private insurance that works alongside Original Medicare.
You generally need Parts A and B. Medicare pays its share of a covered service first, then your Medigap policy helps with the costs included in your plan. For many Part B services, Medicare pays 80% of the approved amount after the deductible, leaving you with 20%.
Medigap helps with those costs. It does not replace Original Medicare or pay the out-of-pocket costs of a Medicare Advantage plan.
See providers who accept Medicare across the U.S., generally without a referral to a specialist. Medicare SELECT policies may have network requirements.
Coverage at a glance
Your plan letter determines the benefits. Compare the help you get with the costs you will still need to plan for.
Foreign travel benefits pay 80% of covered emergency charges after a $250 annual deductible, when care begins in the first 60 days of your trip and Medicare does not cover it. The lifetime limit is $50,000. Review your policy before traveling.
Understand your plan choices
In most states, there are 10 standardized plans: A, B, C, D, F, G, K, L, M, and N. The same letter has the same basic benefits, whichever licensed insurer you choose.
Plan G includes the standardized benefits available under Plan F except the Part B deductible. A high-deductible version is available in some states.
Discuss Plan GPlan N leaves the Part B deductible and excess charges to you, plus copays of up to $20 for some office visits and $50 for ER visits without inpatient admission.
Discuss Plan NPlan F includes the Part B deductible, but is unavailable if you first became eligible for Medicare on or after January 1, 2020. Some states offer a high-deductible version.
Discuss Plan FEnrollment matters
Your Medigap enrollment window is separate from Medicare’s annual October 15 to December 7 enrollment period.
You generally need both parts of Original Medicare before your Medigap coverage starts.
It starts the first month you are 65 or older and enrolled in Part B. During this period, an insurer cannot deny a policy or charge more because of your health.
Certain coverage changes can protect your right to buy a policy outside open enrollment. State rules may offer additional protections.
Outside a protected period, medical questions may affect your price or whether you can buy a policy. Ask a licensed sales agent before dropping existing coverage.
Before you choose
Understand policy renewal, coverage for your spouse, changing plans, and prescription medications.
Personalized guidance
Our licensed sales agents can compare plans from more than 25 insurance companies, help you review premiums and enrollment rules in your state, and guide you through applying by phone.
