Medicare Supplement Insurance
Medicare Supplement insurance, also called Medigap, works with Original Medicare. It may help reduce your share of certain Part A and Part B deductibles, copayments, and coinsurance.
Works with Original Medicare
Original Medicare remains your primary coverage. The supplement pays according to the standardized benefits of the policy you select.
Standardized plan letters
Plans with the same letter generally provide the same standardized medical benefits, although premiums and company service can differ.
Provider flexibility
You can generally use any doctor or hospital in the United States that accepts Medicare, without relying on a Medicare Advantage provider network.
Drug coverage is separate
Newer Medigap policies do not include outpatient prescription drug coverage, so a separate Part D plan may be needed.
Common plan considerations
- Monthly premium and household or payment discounts, when offered.
- Plan letter and the specific standardized benefits it covers.
- Company rate history, financial strength, customer service, and underwriting rules.
- Your Medigap Open Enrollment Period and any guaranteed-issue rights.
- High-deductible Plan G availability; the 2026 high deductible is $2,950
Questions about this coverage?
Marvin Brooks can help explain general coverage concepts and the options available in your area.