Medicare Supplements (Medigap)
Medicare Supplement plans, often called Medigap, are private insurance policies that work alongside Original Medicare (Parts A and B). They help cover the “gaps” in Medicare, such as deductibles, copayments, and coinsurance — costs you’d otherwise pay out of pocket.
What They Cover
- Medicare Part A coinsurance and hospital costs
- Medicare Part B coinsurance or copayments
- Hospice care coinsurance
- Additional coverage for skilled nursing facility care
- In some plans, coverage for care received outside the U.S.
(Exact benefits vary depending on the plan letter — Plans A, B, C, D, F, G, K, L, M, and N.)
How They Work
- You keep Original Medicare as your primary coverage.
- Your Medicare Supplement plan pays its share after Medicare pays its portion.
- These plans do not include prescription drug coverage — you’ll need a separate Part D plan for medications.
- You can use any doctor or hospital nationwide that accepts Medicare, with no network restrictions.
Costs to Consider
- You pay a monthly premium for your Medigap plan, in addition to your Part B premium.
- Premiums vary based on your age, location, and the plan you choose.
- Because coverage is predictable, many people prefer Medigap for lower, more stable out-of-pocket costs.
Who It’s Best For
- People who want the freedom to choose any Medicare-approved provider nationwide.
- Those who prefer predictable medical costs and fewer billing surprises.
- Frequent travelers within the U.S. or abroad (depending on plan).
Thinking about a Medicare Supplement?
We’ll help you compare all available plan options, review costs, and ensure your coverage matches your health needs and budget.