Supplemental Plans

Medicare Supplemental Plans (Medigap)

Medicare Supplemental Plans—often called Medigap—are private insurance policies that help pay the out‑of‑pocket costs that Original Medicare (Parts A & B) doesn’t cover, such as copayments, coinsurance, and deductibles.

Key Points

• You must have Medicare Part A and Part B to buy a Medigap policy.

• These plans are sold by private insurance companies but must follow federal and state rules.

• Medigap helps cover your share of costs after Medicare pays its portion.

• Plans are standardized, meaning each lettered plan (A–N) offers the same benefits no matter which company sells it.

• Policies are individual—spouses must buy separate plans.

Why People Choose Medigap

• Reduces or eliminates surprise medical bills

• Makes healthcare costs more predictable

• Allows you to see any doctor nationwide who accepts Medicare (no networks)