is a privately-operated resource for learning about Medicare Supplement Insurance, also called "Medigap". The website also provides a helpful Medicare Supplement insurance plan finder to help you find the right plan for you.
What is Medicare Supplemental Insurance?
Medicare Supplemental insurance is a kind of health insurance policy sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage.
Who is Eligible:
You must be Medicare-eligible (in general, over age 64.5 years old) and covered under Original Medicare. Medigap policies don’t work with any other type of health insurance, including Medicare Advantage Insurance Plans, employer/union group coverage, Veterans Administration (VA) benefits, or TRICARE.
Anyone who is on Medicare Part A and Part B can buy a Medigap policy.
If you are eligible
Medigap policies help pay some of the health care costs that your Original Medicare Plan doesn’t cover. If you are in the Original Care Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs. You and your spouse must each buy separate Medigap policies. Your Medigap policy won’t cover any health care costs for your spouse.
Medigap is add-on insurance policy for each eligible individual that covers medical expenses not covered under Original Medicare.
How Much Does It Cost?
In each standardized Medicare Supplemental insurance plan, basic benefits are identical from one company to the next. This makes insurance plan comparison far easier than it is for general individual health insurance. However, premiums may vary between companies. In most cases, you should compare insurance plans from different carriers. As you shop for a Medigap policy, be sure to compare the same type of Medigap policy (for example, compare a Medigap Insurance Plan F from AARP with a Medigap Plan F from Mutual of Omaha). You can get a quote from one of our Medicare Supplemental contractors by completing the form to your right.
For Medicare Supplemental coverage, you will pay a monthly premium to the insurance company providing you with coverage. While we cannot provide pricing on this page, you can get price quotes by filling out the form above.
Comparing Medicare Supplemental insurance plans
Every Medicare Supplemental insurance policy, in order to be designated a “Medicare supplemental” or “Medigap” insurance plan, plan has to follow federal and state laws designed to make the buying process easier for the consumer. Medigap insurance companies can only sell you a “standardized” Medigap policy identified by letters A, B, C, D, F, High-Deductible F, G, K, L, M and N. Each standardized Medigap policy must offer the same basic benefits, no matter what insurance company sells it. Cost is usually the only difference between Medigap policies sold by different insurance companies. (You should, however, compare insurance companies on other measures such as customer service and reputation.)
Medigap policies are structured in standard packages (Plans A through L), making pricing comparisons easier for consumers.
There are exceptions to the standardization if you live in certain states, such as Massachusetts, Minnesota, and Wisconsin. Depending on your state, you may be able to buy another type of Medigap policy called Medicare SELECT (a Medigap policy that requires you to use specific hospitals and in some cases specific doctors to get full benefits).
who provides Medicare Supplemental insurance?
Medicare Supplemental insurance is provided by private insurance companies such as AARP, BlueCross BlueShield, Globe Life, Humana, Mutual of Omaha, Transamerica Life, United American, UnitedHealthcare and many others.
Remember from above that Medigap insurance companies can sell you only a “standardized” Medigap policy. All Medigap policies must have specific benefits so you can compare them easily on the basis of price.
How do i get started?
MedicareSupplemental.com has contracted with leading Medigap carriers to provide you an easy starting place to receive Medicare Supplemental quotes:
Who is MediCareSupplemental.com?
MedicareSupplemental.com is a marketplace connecting people with insurance companies and the agents/brokers of insurance companies. MedicareSupplemental.com does not provide quotes or sell insurance directly to consumers, is not affiliated with any exchange, and is not a licensed insurance agent or broker.
MediCareSupplemental.com does not provide quotes or sell insurance directly to consumers, is not affiliated with any exchange, and is not a licensed insurance agent or broker. Accordingly, you should not send us (via mail or email) any sensitive information, including personal health information or applications. Any such communications will not be treated as confidential and will be discarded.