Medicare Supplement plans (Medigap policies)

Fill the gaps in Original Medicare

Original Medicare pays for many, but not all, health care services and supplies. A Medigap policy is private insurance that helps supplement Original Medicare. This means it helps pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance and deductibles. These are the “gaps” in Medicare coverage.

How a Medigap policy pays

1. Medicare pays its share of the Medicare-approved amount for covered health care costs.
2. Then your Medigap policy pays its share.

Medigap is different from Medicare Advantage

A Medigap policy is different from a Medicare Advantage plan (like an HMO or PPO). Those plans are ways to get your Medicare benefits, while a Medigap policy only supplements the costs of your Original Medicare benefits.

Most people with a Medigap policy also add a Part D prescription drug plan, because Original Medicare does not pay for outpatient prescriptions.

Compare and enroll

You can compare Medicare Supplement plans and self-enroll online, or have Doug compare them with you. Need more information? Call or text Doug at 209-815-4407.