Medicare Supplement Plans
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*Note: In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized differently.
Original Medicare covers many healthcare services, but it doesn’t cover everything. To help cover costs that Original Medicare doesn’t, such as copayments, coinsurance, and deductibles, you can purchase a Medigap policy from a private insurance company. Some Medigap plans also offer additional coverage for services not included in Original Medicare, like medical care while traveling abroad.
When you have Original Medicare and a Medigap policy, Medicare pays its share of the Medicare-approved amount for covered healthcare costs first. Then, your Medigap policy covers its portion. Note that Medicare does not contribute to the cost of Medigap premiums.
Medigap policies must adhere to federal and state regulations designed to protect you and must be clearly labeled as “Medicare Supplement Insurance.” These policies are standardized and identified by letters in most states, with each plan offering the same basic benefits but varying in additional coverage options.
While the costs for each Medigap plan will differ among insurance companies, the coverage of each plan will remain the same.
When shopping for a Medigap policy, ensure you are comparing identical plans across different insurance companies. For example, compare Plan A from one company with Plan A from another, as the benefits for each plan type are standardized.
In certain states, you may come across Medicare SELECT policies. These Medigap policies require you to use specific hospitals and sometimes specific doctors to receive full coverage. However, if you purchase a Medicare SELECT policy, you have the right to switch to a standard Medigap policy within 12 months if you decide it’s not the right fit for you.
More About Medigap Policies
Medigap Carriers
Here’s what you need to know about Medigap policies:
➜ Eligibility: You must have both Medicare Part A and Part B to purchase a Medigap policy.
➜ Premiums: You’ll pay a monthly premium for your Medigap policy on top of your monthly Part B premium.
➜ Coverage: Each Medigap policy covers only one person. If you and your spouse both want coverage, you each need to purchase separate policies.
➜ Best Enrollment Period: The optimal time to buy a Medigap policy is during the 6-month period that starts on the first day of the month you turn 65 and are enrolled in Part B. In some states, there are additional open enrollment periods. For instance, if you turn 65 and enroll in Part B in June, the best time to purchase a Medigap policy would be from June to November.
➜ Cost Variations: Medigap policy costs can vary and may increase as you age. It’s important to compare policies and check if your state has any cost limitations.
➜ Under 65: If you’re under 65, you won’t have the open enrollment period until you turn 65, though some states might offer options to buy a policy before then.
➜ Switching Plans: If you have a Medigap policy and decide to join a Medicare Advantage Plan (such as an HMO or PPO), you might want to cancel your Medigap policy as it won’t cover any expenses under your Medicare Advantage Plan. Contact your insurance company to cancel your Medigap policy. Note that once you drop it, you might not be able to get it back if you switch back to Original Medicare.
➜ Legal Protections: If you’re enrolled in a Medicare Advantage Plan, it’s illegal for anyone to sell you a Medigap policy unless you’re switching back to Original Medicare. If someone attempts to sell you a Medigap policy under these circumstances, contact your State Insurance Department for assistance.
*Information by Medicare and You Handbook 2025
Frequently Asked Questions
What is medicare and who can get it?
Medicare is primarily used by individuals aged 65 and older, though some younger people may also qualify, including those with disabilities, permanent kidney failure, or amyotrophic lateral sclerosis (Lou Gehrig’s disease). While Medicare helps cover various healthcare costs, it does not fully cover all medical expenses or most long-term care costs.
Can I change my medicare coverage?
Yes, you can adjust your Medicare coverage during specific enrollment periods, including the Annual Enrollment Period (AEP) and the Medicare Advantage Open Enrollment Period (MA OEP). Outside of these times, you may qualify for a Special Enrollment Period (SEP) if you experience certain life events, such as moving, losing other coverage, or becoming eligible for Medicaid.
What are the different parts of medicare?
Medicare is divided into four parts:
Part A: Hospital Insurance
Part B: Medical Insurance
Part C: Medicare Advantage Plans
Part D: Prescription Drug Coverage
Where can I get more information about Medicare?
For more information about Medicare, you can visit the official website at www.medicare.gov, contact the Medicare hotline at 1-800-MEDICARE (1-800-633-4227).
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© 2025 Insurance Educators ┃ All Rights Reserved. Privacy Policy & Terms of Service┃ Site Design by MSFS
We are not connected with or endorsed by the United States government or the federal Medicare program.
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 to get information on all of your options.
INSURANCE EDUCATORS
SERVICES
ADDITIONAL SERVICES
STAY CONNECTED
© 2025 Insurance Educators
All Rights Reserved.
Privacy Policy & Terms of Service
Site Design by MSFS
We are not connected with or endorsed by the United States government or the federal Medicare program. 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 to get information on all of your options.
Why Life Insurance Matters
Life insurance is one of the most meaningful ways to protect the people you love. While it’s often seen as both a financial and emotional decision, at its heart, it’s really about love, care, and providing a secure future for those who matter most.
Every year, millions of individuals and families choose life insurance for reasons that are often hard to put into words, but deeply felt. It may seem like a simple concept, but the motivation behind it is personal, emotional, and powerful.
If you’re like most people, you’re here for the same reasons,
to protect your loved ones, fulfill your responsibilities, and ensure their future is safe.
Here’s why life insurance matters.
Here's why more individuals and families choose to protect what matters with life insurance:
Protect the People You Love
Life insurance is about providing for those who depend on you. It’s a commitment to shield your family from financial stress if something unexpected happens, so they can keep moving forward with confidence.
It's Not For You - It's for Them
The purpose of life insurance is simple: to protect your loved ones when you’re no longer there to do it yourself. It’s about their security, not yours - and that peace of mind is priceless.
Provide for your loved ones no matter what
By securing their financial future, you’re helping your loved ones maintain their lifestyle in the event of the unexpected.
Time, Choices and Financial Breathing Room
Losing a loved one is overwhelming. Life insurance helps your family avoid rushing difficult decisions, providing the time and financial flexibility they need to adjust at their own pace.
Immediate Funds, When They’re Needed Most
The payout from a life insurance policy is often available right when it’s needed most - and usually tax-free.
