Medicare Basics
Enrolling In Medicare
Choosing A Medicare Plan
Changing Medicare Plans
Medicare Supplements
Medicare Supplements

Medicare Supplements (Medigap) policies help pay some of the health care costs that Original Medicare doesn’t cover, like:

  • Copayments
  • Coinsurance
  • Deductibles

Medicare Supplement policies are sold by private companies.

Some Medicare Supplements also cover services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here’s what happens:

  • Medicare will pay its share of the Medicare-approved amount for covered health care costs.
  • Then, your Medigap policy pays its share.

If you have both Part A and Part B, you may choose to do one of the following:

  1. Add prescription drug coverage (Part D), Medicare Supplement insurance or both to Original Medicare.
  2. Receive your Medicare benefits through a Medicare Advantage (Part C) plan. Most plans include drug coverage and additional benefits not offered by Original Medicare.
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There’s no right or wrong choices here. You need to make your own choices based on your health care needs and your budget. And your choices don’t have to be forever. You have the opportunity to change your Medicare coverage choices each year during Medicare Open Enrollment or during a Special Enrollment Period if you qualify for one.

Contact us today for assistance

By submitting this form and providing this information, you agree that an authorized representative or licensed insurance agent may contact you by phone, e-mail or mail to answer your questions and provide additional information about Medicare Advantage, Part D or Medicare Supplement Insurance plans.