Medicare Supplement

Medicare supplement plans, also known as Medigap plans, help bridge the gap between what Original Medicare covers and the total cost of medical services. These plans cover all or a portion of Medicare deductibles and coinsurances, and are accepted nationwide. As long as you pay your premium, a Medicare supplement policy is guaranteed renewable, and covers only one person. If you and your spouse both want Medicare supplement coverage, each of you will need to buy separate policies.

In addition to any required Medicare Part A and Part B premiums, there are additional costs associated with Medicare supplement plans. These costs may include a deductible, which is a set amount you pay every year before Medicare coverage begins, the entire cost of services not covered by Medicare, coinsurance (usually 20 percent of the cost of Medicare-approved services), a Part D drug plan premium if you choose to add drug benefits, and a Medicare supplement plan premium if you elect to buy supplement insurance.

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