Medicare Supplement Plan

Medicare Supplement plans, also known as Medigap plans, serve as a valuable addition to Original Medicare (Parts A and B), helping to cover the gaps in medical expenses left by the basic coverage. With ten standard plans labeled A through N, plus two high-deductible options, individuals have a range of choices to tailor their coverage to their specific needs. These plans offer standardized benefits across all insurance companies, ensuring consistency in coverage while allowing insurers to set premiums.

As secondary coverage, Medigap plans kick in after Original Medicare pays its share of the medical bill, offering additional financial protection and peace of mind. Unlike Medicare Advantage plans, Medigap plans do not restrict members to specific networks, granting the freedom to choose healthcare providers who accept Medicare nationwide. This flexibility extends to travel, making it easy to access care anywhere within the United States. Once enrolled, individuals can remain on their chosen Medigap plan as long as they continue to pay premiums, with automatic renewals and guaranteed coverage regardless of health status.