What is a Medicare Supplement?
Commonly called "Medigap", a Medicare Supplement Insurance that helps fill “gaps” in Original Medicare and is sold by private companies. Why is it necessary if I have Medicare? The reason is that Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:
✔ Copayments
✔ Coinsurance
✔ Deductibles
Some Medigap policies also cover services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here’s what happens:
✔ Medicare will pay its share of the Medicare-approved amount for covered health care costs.
✔ Then, your Medigap policy pays its share.
✔ Medicare Coverage Outside the US may work differently.
✔ Medicare will not cover outside the US but your MediGap policy may.
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We do not offer every plan in your area. Currently, we represent 10 organizations which offer 40 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options
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