Medicare Supplement (Medigap) plans are offered through private insurance companies, these plans cover the gaps left by Medicare. You can buy a Medicare Supplement plan to pay for Original Medicare deductibles, co-payments, co-insurance, and health care if you travel outside the U.S.

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There are 10 standardized Medicare Supplement plans ( A to N ) offered in most states. Coverage is standardized across each plan letter, which means you’ll get the same basic benefits for Medicare Supplement coverage within the same letter category, no matter which insurance company you purchase from. However, even if basic benefits are the same across plans of the same letter category, premium costs may vary by insurance company and location. (Minnesota, Massachusetts, and Wisconsin have different options.)

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These plans do NOT cover prescription drugs. This is a stand alone plan.

 

Medicare Supplement qualifications:

 

To qualify for a Medicare Supplement (Medigap) plan, you must be:

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• Enrolled in Medicare Parts A & B (Original Medicare)

• 65 or older, or be on disability for at least 2 years 

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You can NOT have a Medicare Advantage plan and a Medicare Supplement plan.

 

Medicare Supplement vs. Medicare Advantage:

 

Medicare Supplement plans and Medicare Advantage plans serve two different purposes. Medicare Supplement plans cover deductibles, co-payments, and other costs that Medicare doesn’t cover. Medicare Advantage plans are an alternative way to get Medicare benefits while also getting extra coverage not provided through Original Medicare.