Medicare Supplement
What is Medicare Supplement?
Medicare Supplement Insurance, also known as Medigap, is a type of insurance policy sold by private companies that helps pay for the out-of-pocket costs not covered by Original Medicare — like copayments, coinsurance, and deductibles.
It “fills the gaps” in your Medicare coverage, giving you peace of mind and predictable expenses.
How Does Supplement Work?
- When you have Medicare Supplement, Medicare pays its share of the approved medical costs, and then your Supplement plan pays its share — depending on which plan you choose.
- It works with Original Medicare, not instead of it.
You must be enrolled in Medicare Part A and Part B to get a Supplement plan.
When Can I Enroll?
- Medicare Supplement Open Enrollment Period. This is the 6-month period which begins the first day of the month you are both 65 or older and enrolled in Medicare Part B. No underwriting required
- Anytime after Open Enrollment, however underwriting is required.
Benefits?
✅ See Any Doctor: No networks — use any provider who accepts Medicare nationwide
✅ Predictable Costs: Low out-of-pocket expenses for most services
✅ No Referrals Needed: See specialists without gatekeeping
✅ Guaranteed Renewable: Can’t be canceled if you pay your premiums
✅ Freedom to Travel: Great for snowbirds, RV travelers, or those living part-time in other states