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Medicare Supplement Plans/Medigap

What is a Medicare Supplement?

Medicare Supplements, also known Medigap, are plans provided by private insurance companies that you can purchase to help fill “gaps” in healthcare cost that Medicare does not cover. These can be deductibles, copayments, coinsurance, etc. For example, Part A deductible. The Medicare Part A deductible is $1,600, which must be paid before Medicare pays anything. Medicare Supplement plans could pay a portion, or even all, of the Part A deductible for you.

The great thing about Medigap plans is that they are all regulated and standardized and must provide the same benefits. For instance, a Medigap Plan G with Carrier A and Medigap Plan G with Carrier B must pay for the same services. When you are seen by a doctor, you never show your Medigap ID card. You present your Medicare Health Insurance card for billing and that doctor bills Medicare, who then bill your Supplement Plan to pay the portion that the supplement is required to pay.

What do Medicare Supplements pay for?

After Medicare pays it’s share of Medicare-Approved amount for covered health care cost, the Medigap policy will pay it’s share. Some Medigap policies cover additional cost that Original Medicare does not, such as medical care received while traveling outside of the U.S. See the Medigap Plan Comparison Chart below for a complete breakdown.

Is there a Medigap Network?

With a Medicare Supplement plan, you will not be constrained by a network. You can be seen by any doctor, be treated at any facility, as long as they accept Medicare. Your Medicare Suuplement works together with your Medicare, so if the Doctor accepts Medicare, they accept your Medicare Supplement.

It is important to remember that if you use a doctor that does not accept Medicare, that doctor is allowed to charge up to 15 percent more for their services. Medicare Supplements Plan F, High Deductible F, and Plan G completely cover those charges, but you may have to pay the cost yourself if you have any other supplement plan.

COMPARE MEDICARE SUPPLEMENT PLANS

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not affiliated with or endorsed by any government agency.