A Medicare supplemental insurance plan (also called “Medigap”) is private health insurance designed to supplement original Medicare. This means it helps pay some of the health care costs (“gaps”) that original Medicare doesn’t cover (such as co-payments, co-insurance and deductibles).

Medicare supplemental plans may also cover certain things that Medicare doesn’t  If  you are in original Medicare and you have a Medicare supplemental plan, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medicare supplemental plan pays its share.

Every Medicare supplemental plan must follow federal and state laws designed to protect you. Medicare supplemental plan insurance companies can only sell you a “modernized” Medicare supplemental plan identified by letters A through N. Each modernized Medicare supplemental plan must offer the same basic benefits, no matter which insurance company sells it.

Cost is usually the only difference between Medicare supplemental plans sold by different insurance companies.

 A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

8 things to know about Medigap policies 

1. You must have Medicare Part A and Part B.

2. If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.

3. You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.

4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you’ll each have to buy separate policies.

5. You can buy a Medigap policy from any insurance company that’s licensed in your state to sell one.

6. Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medigap policy as long as you pay the premium.

7. Some Medigap policies sold in the past cover prescription drugs, but Medigap policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).

8. It’s illegal for anyone to sell you a Medigap policy if you have a Medicare Medical Savings Account (MSA) Plan.

Medigap policies don’t cover everything 

Medigap policies generally don’t cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.

Insurance plans that aren’t Medigap

Some types of insurance aren’t Medigap plans, they include:

• Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)

• Medicare Prescription Drug Plans

• Medicaid

• Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)

• TRICARE

• Veterans’ benefits

• Long-term care insurance policies

• Indian Health Service, Tribal, and Urban Indian Health plans 

Dropping your entire Medigap policy (not just the drug coverage) 

If you decide to drop the entire Medigap policy, you need to be careful about the timing. For example, you may want a completely different Medigap policy (not just your old Medigap policy without the prescription drug coverage), or you might decide to switch to a Medicare Advantage Plan that offers prescription drug coverage.

If you drop your entire Medigap policy and the drug coverage wasn’t creditable or you go more than 63 days before your new Medicare coverage begins, you have to pay a late enrollment penalty for your Medicare Prescription Drug Plan, if you choose to join one.

Request for Medicare Supplement Quote ! 

CONSUMERS: Guide to Medicare Supplement

Medicare Supplement Insurance

A Guide to Health Insurance for People With Medicare

Medicare costs at a glance 

 Medicare & You ( Medicare handbook )

List of Medicare Supplement Insurance Companies

To get Medicare supplemental insurance plan benefits!

Rates are determined by the insurance companies and are subject to change at any time. Actual rate will be determined upon acceptance into the program based upon eligibility criteria and your medical conditions, if applicable.

Helpful Medicare Related Links:

The Official U.S. Government Site for People with Medicare: www.medicare.gov

The Official State of California Site for People with Medi-Cal: www.medi-cal.ca.gov

The Official Site for the California Department of Aging: www.aging.ca.gov

 Request for Medicare Supplement Quote !