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Medicare Supplements
Medicare Supplement Basics
Medicare Supplement plans, also called Medigap plans, help cover some of the out-of-pocket costs left behind by Original Medicare.
Works With Original Medicare
Medicare Supplement plans work alongside Original Medicare Parts A and B. Medicare pays first, then your supplement plan helps pay eligible remaining costs.
Helps Fill the Gaps
These plans can help pay for deductibles, coinsurance, and copayments that Original Medicare does not fully cover.
Standardized Plan Letters
Medigap plans are labeled by letters such as Plan G, Plan N, and Plan A. Benefits are standardized, but premiums can vary by insurance company.
Separate From Part D
Medicare Supplement plans generally do not include prescription drug coverage. Many people pair a Medigap plan with a separate Part D drug plan.
Freedom to Use Medicare Providers
With Original Medicare and a Medigap plan, you can generally see any doctor or hospital in the U.S. that accepts Medicare.
Rates Can Vary by Carrier
Even though plan benefits are standardized, monthly premiums and rate increases can differ from company to company. Comparing carriers matters.
Choosing the right Medicare Supplement plan depends on your budget, health needs, travel habits, and how much cost predictability you want.
Medicare Supplement Alternatives
Medicare Advantage plans (Part C) are offered by private insurance companies and combine your Medicare Part A and Part B coverage into one plan. Many plans are zero premium and include additional benefits like Rx coverage, dental, vision, hearing, gym memberships and OTC.
MSA's combine a high-deductible Medicare Advantage plan with a savings account that Medicare funds each year to help pay for qualified medical expenses. You can use the money in the account to cover healthcare costs before your deductible is met and any unused funds roll over for future use.
PACE is a Medicare and Medicaid program that provides comprehensive medical and social services to help eligible seniors live safely in their homes instead of a nursing facility. It coordinates all care-including doctor visits, medications, therapy and transportation- through a local PACE organization.
We may not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.