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What is Medicare Supplement (Medigap) Insurance?

A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like co-payments, coinsurance, and deductibles.

If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Your Medigap policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.


What you need to know about Medicare Supplement policies

  1. You must have Medicare Part A and Part B.
  2. If you have a Medicare Advantage Plan, you can switch to a Medicare Supplement insurance policy, but make sure you can leave the Medicare Advantage Plan before your Medicare Supplement insurance policy begins.
  3. You pay the private insurance company a monthly premium for your Medicare Supplement insurance policy in addition to the monthly Part B premium that you pay to Medicare.
  4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you’ll each have to buy separate policies.
  5. You can buy a Medicare Supplement insurance policy from any insurance company that’s licensed in your state to sell one.
  6. Any standardized Medicare Supplement insurance policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medicare Supplement insurance policy as long as you pay the premium.
  7. Medicare Supplement insurance policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
  8. It’s illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you’re switching back to Original Medicare.

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Step 1: Begin!
This is your chance to gather information and ask specific questions! If you already have Medicare questions, feel free to call or email us now!
Step 2: Evaluate!
The first step to the evaluation process is clicking the "schedule your free call" button and setting up a time with an advisor. This phone session is designed to turn your general questions into specific solutions to meet your needs.
Step 3: Sign up!
At this point, you are confident in your Medicare coverage decisions and you’re ready to have your agent enroll you into your plans. During this time, we will recap your coverage decisions. The sign-up phase is completed via phone and email so that you don’t have to deal with any paperwork hassle.
Step 4: Time to Review!
Medicare isn’t a one-time deal! We help our clients go through an annual review during the Annual Election Period (October 15 – December 7). This is your chance to evaluate different Medicare Advantage or prescription Part D options with us.