MEDICARE PLANS

Medicare Supplement Plans

A Medicare Supplement Plan, also known as a Medigap Policy, is designed to help pay for some of the costs that Original Medicare does not cover

Medicare Supplement Plans (also called Medigap plans) are offered by private insurance companies and are designed to work alongside your Original Medicare (Parts A & B). These plans help cover some of the costs that Medicare doesn’t pay—like copayments, coinsurance, and deductibles—so you have fewer surprise medical bills.

With a Medicare Supplement Plan, Original Medicare is still your main coverage, and the supplement plan helps pay the rest. This is different from Medicare Advantage Plans, which replace your Original Medicare and become your main insurance.

Key Features:

  • Doctors Choice

    Individuals can select their preferred doctors and hospitals, (so long as they accept Medicare patients)

  • Convenience

    Virtually no claim forms to file

  • Guaranteed Renewals

    Medicare supplement plans are automatically renewed, so long as individuals continue to pay their premium on time, without misstating one or more material facts upon initial enrollment

  • Access to Specialists

    Individuals can see specialists without needing a referral

  • Freedom

    Coverage that travels with you anywhere in the U.S.

How do I get a Medicare Supplement Plan?

To get a Medicare Supplement Plan, you must be enrolled in both Medicare Part A and Part B. You’ll need to continue paying your Part B monthly premium, along with a separate premium for your supplement plan.

The best time to enroll is during your Medigap Open Enrollment Period—this is a six-month window that starts when you’re 65 or older and have Part B. During this time, you can’t be denied coverage—even if you have health issues.

What Does a Supplement Plan NOT Cover?

  • Prescription drug coverage

    You’ll need to buy a separate Part D drug plan.

  • Long-term care (like nursing home stays)

  • Dental care

  • Vision care or eyeglasses

  • Hearing aids

  • Cosmetic surgery

However, some insurance companies offer extra perks, like gym memberships, dental plans, or vision coverage—but these are optional and may cost extra.