Medicare Supplements

Medicare Supplement Insurance or Medigap Policy is private health insurance that is designed to supplement Original Medicare. This means it helps pay some of the health care costs (gaps) that Original Medicare doesnt cover (like copayments, coinsurance, and deductibles). If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare approved amounts for the covered health costs. Then your Medigap policy pays its share.

Every Medigap policy must follow Federal and state laws designed to protect you, and the policy must be clearly identified as Medicare Supplement Insurance. Medigap insurance companies in most states can only sell you a standard Medigap policy identified by letters A through N. Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it. Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies.