Medicare Supplement
Medicare Supplement insurance — also called Medigap — works alongside Original Medicare to help pay the deductibles, copays, and coinsurance that Medicare leaves to you. It's sold by private companies and standardized into lettered plans.
Supplements trade a monthly premium for predictable costs and broad provider flexibility — you can typically see any doctor in the country who accepts Medicare, with no network.
How it works
You keep Original Medicare and add a Supplement plan that fills in the gaps. Because plans are standardized by letter, a Plan G from one company covers the same things as a Plan G from another — the difference is price and service.
Who it often fits
People who value predictable out-of-pocket costs, want freedom to use any Medicare doctor, or travel often and don't want to worry about networks.
What to know about drugs
Supplements don't include prescription coverage, so you'll usually add a stand-alone Part D plan. We help you pair them.
Frequently asked
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 (TTY: 1-877-486-2048), 24 hours a day/7 days a week, to get information on all of your options. Not connected with or endorsed by the United States government or the federal Medicare program.
Plan availability varies by area.
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