Medicare Supplement Plans

Medicare Supplement Plans

Medicare Supplement, also called Medigap, are plans sold by private insurance companies to fill in the coverage gaps and deductibles that Original Medicare does not cover. For instance, if Medicare covers 80 percent of a doctor’s visit, Medigap will cover the remaining 20 percent. With a Medicare Supplemental plan, there is little additional cost to you for healthcare beyond your premium.

Advantages of a standard Medicare Supplement policy are:


  • Choose your own doctor and hospitals
  • No referrals required
  • You can use it anywhere in the United States as long as they accept Medicare
  • You know what your expenses are which makes it easier to budget


Additional elements to know about Medicare Supplement insurance:


  • You must have Part A and Part B to buy a Medicare Supplement policy
  • Many carriers offer household discounts if two or more people enroll in Medicare supplement plans from the same company
  • Plans do not include Part D, so you’ll add a separate standalone Part D drug plan
  • Plans do not include dental, vision, or hearing

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Medigap Plans chart

Medicare Supplement Eligibility

The Centers for Medicare and Medicaid Services says, “Your individual Medigap Open enrollment Period begins the first day of the month that you are both 65-years-old or older and, enrolled in Medicare Part B. So you have a onetime 6 month window to enroll in a Medigap plan, when there is no medical underwriting.  If you enroll during this Medigap Open Enrollment Period, you cannot be denied coverage. If you miss your 6-month enrollment period, you can still apply to enroll in a Medigap plan. All plans have different underwriting benchmarks.

A Quick Recap 

 

  ✔  Use anywhere in the United States as long as Medicare is accepted

  ✔ Medigap plans are standardized. The only difference is price.

  ✔ Medigap plans are standardized. The only difference is price.


  ✔ You have a onetime 6 month window to enroll in a Medigap plan, when there is no medical underwriting

  ✔ Medigap plans do not include Part D, so you’ll need to add a separate standalone Part D drug plan

Frequently Asked

Questions

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  • Are Medigap plans limited to a specific network?

    Unlike some Medicare Advantage plans, traditional Medigap plans have no network restrictions in most cases. 



    This means you can visit any doctor or specialist who accepts Medicare, wherever they're located.

  • Do I need a referral with a Medicare Supplement plan?

    No referral needed! Medicare Supplement plans (Medigap) work alongside Original Medicare (Parts A & B) and don't require referrals for specialists. You can choose your own doctors and specialists, just like with Original Medicare.

  • What is the difference between a UnitedHealth Card Plan G and a Humana Plan G?

    All Medicare Supplemental policies are standardized and regulated by law. This means that each company must offer the same plans (Parts A-N) with the only difference being the price.



    However, prices can vary widely between companies. Mapping Medicare can help you weed through the options to find the right provider with the right price for you.