Medicare Supplement (Medigap)
Medicare Supplement plans (otherwise referred to as Medigap) are offered through private insurance companies and provide help to fill in some or all of the gaps that Original Medicare (Parts A and B) do not cover. Copayments, coinsurance, and deductibles are just a few of the costs that Medigap helps cover. Medicare Supplement plans are secondary to Original Medicare, meaning you can add a Medicare Supplement plan to Original Medicare to help pay for costs not covered. In other words, they help to wrap around Original Medicare (Parts A and B).
Remember: you must always continue to pay your Medicare Part B premium.
Medicare Supplement plans vary in which gaps in coverage they fill, but as a general rule the more generous the coverage, the higher the premium. There are ten standard plans, however not all plans are available in all states. To keep it simple, all policies with the same letter offer the same benefits.
How Much Does Medicare Supplement Cost?
Medicare Supplement plans vary in monthly premium amount, depending on which plan you choose.
If you need help finding the right Supplement plan, we can help select the plan that is right for you.
What Does Medicare Supplement Cover?
Medicare Supplement plans provide help with the following:
- Part A deductibles
- Part B deductibles
- Part B co-insurance and providers’ excess charges
- First 3 pints of blood
- Cost of additional hospital days after you’ve used up your Part A benefits
- Hospital and skilled nursing facility co-insurance
- Some preventive care benefits
- Coverage when you move or travel anywhere in the Unites States
- Some plans offer coverage outside the United States
How Do I Sign Up for Medicare Supplement?
Each private company that offers Medicare Supplement plans has its own enrollment process. When you’re ready to join, we will help you expedite that enrollment process – at no cost to you.
When Can I Sign Up for Medicare Supplement?
To sign up for a Medicare Supplement plan, you must:
- be enrolled in Medicare Part A and Part B
- permanently live in the state in which you are applying for coverage
OEP: Open Enrollment Period
You can first enroll in a Medicare Supplement plan during Open Enrollment Period, which is a six month window beginning with your Medicare Part B effective date. During this Open Enrollment Period, Medicare Supplement policies are guaranteed issue – which means there is no underwriting or health questions you have to answer.
Outside of the Open Enrollment Period
You can still purchase Medicare Supplement plans year-round, however you may be:
- subject to underwriting – must answer health questions
- charged higher premium
- denied coverage – not guaranteed issue
Which Doctors Can I See?
You can choose any doctor or provider in the United States who accepts Medicare – you are not limited to a particular state or region for your care. Some policies also offer coverage of some emergency care outside the United States.
Are Prescription Drugs Covered Under Medicare Supplement?
No, Medicare Supplement plans do not cover prescription drugs. You can add drug coverage by enrolling in a stand-alone Medicare Prescription Drug Plan (Part D).
Do I Need a Primary Care Doctor or a Referral to See a Specialist With Medicare Supplement?
No, Medicare Supplement plans do not require that you choose a primary care doctor.
In most cases, you do not need a referral to see a specialist – but the specialist must be enrolled in Medicare.