Medigap / Supplement Plans
Medicare Supplement plans that let you see any doctor, anywhere
For a monthly premium, Medigap plans allow you to go to any doctor, specialist, or hospital anytime, anywhere. Talk with one of our agents to see how a Medigap plan could fit your situation.
The basics
What is Medigap?
For a monthly premium, Medigap plans allow you to go to any doctor, specialist, or hospital anytime, anywhere.
A Medicare supplement insurance policy (Medigap) can help pay for some of the health care costs that Original Medicare doesn't cover, such as when you travel outside the US, copays, 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 health care costs. Then your Medigap policy pays its share.
How it works
Medigap vs. Medicare Advantage
These two paths work differently — here's the distinction, in plain terms.
Medigap
A Medicare supplement insurance plan helps cover unpaid costs after Medicare Parts A and B pay their share of your health care expenses. You buy a Medicare supplement plan in addition to your Medicare Parts A and B benefits.
Medicare Advantage
Unlike a Medigap plan, Medicare Advantage is an alternative to your Medicare Parts A and B benefits, not something purchased alongside them.
Good to know
Original Medicare basics
Part A
Covers inpatient hospital care or a limited stay in a skilled nursing facility.
Part B
Covers outpatient hospital and medical services. The premium you pay for Part B is deducted from your Social Security benefits.
What's not covered
Medicare pays for many health care services and supplies, but it does not cover all of your health care costs. For example, you pay a deductible for each hospital stay and coinsurance each time you use the services of a doctor or surgeon — costs a Medigap plan can help with.
Have questions about Medigap coverage?
Speak with one of our agents to talk through your situation, or explore our other plan types.
FAQ
Medigap questions, answered
A Medicare supplement insurance policy (Medigap) can help pay for some of the health care costs that Original Medicare doesn't cover, such as when you travel outside the US, copays, 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 health care costs. Then your Medigap policy pays its share.
A Medicare supplement insurance plan helps cover unpaid costs after Medicare Parts A and B pay their share of your health care expenses. Unlike a Medicare Advantage plan (which is an alternative to your Medicare Parts A and B benefits) you buy a Medicare supplement plan in addition to your Medicare Parts A and B benefits.