Medicare Supplement (Medigap) Insurance is private health insurance that helps supplement Original Medicare.

    Key Benefits of Medicare Supplement Insurance

  • Supplements Original Medicare – helps you budget your medical expenses month to month
  • Standardized plans available that are approved and follow state and federal laws.
  • Premiums vary by state and carrier
  • Multiple plans to choose from depending on your budget and coverage needs

Original Medicare


Original Medicare is coverage managed by the federal government. In most cases, Original Medicare Part A and B are available to you on the first day of the month you turn 65. If your birthday is on the first day of the month, Part A and Part B will start the first day of the prior month. Be sure to review the ‘Choosing a Medigap Policy’ guide to see if you are automatically enrolled in Original Medicare.

Medicare Coverage Choices Summary Chart

Part A&B

Part C

Part D

Primary reasons to enroll

You want basic Medicare coverage from the government
You want one plan that combines the coverage of Medicare Parts A & B and that may include Part D coverage plus extra benefits
You want a standalone drug plan to add to your Medicare coverage

Offered through a private company

Allows you to see any provider who accepts Medicare

(some plans)
NA (you can use any network pharmacy)

Covers overnight hospital stays

Covers medical care, like doctor visits

Covers prescription drugs

(may include)

Offers low or $0 co-pays

(some services)

Offers low or $0 deductibles

(some plans)
(some plans)

Limits your out-of-pocket costs

Covers preventive services, like flu shots

Covers additional benefits and services

(most plans)

Offers low or $0 additional monthly premium for prescription drug coverage

(may include)
Disclaimer:
The information contained within this learn page comes directly from the Centers for Medicaid and Medicare Services (CMS) Choosing a Medigap policy guide.
DO NOT CANCEL ANY HEALTH INSURANCE COVERAGE YOU CURRENTLY HAVE OR DECLINE COBRA BENEFITS UNTIL YOU RECEIVE AN APPROVAL LETTER AND INSURANCE POLICY (ALSO KNOWN AS AN INSURANCE CONTRACT OR CERTIFICATE) FROM THE INSURANCE COMPANY YOU SELECTED. MAKE SURE YOU UNDERSTAND AND AGREE WITH THE TERMS OF THE INSURANCE POLICY. PAY SPECIAL ATTENTION TO THE EFFECTIVE DATE, PREMIUM AMOUNT, WAITING PERIOD, BENEFITS, LIMITATIONS, EXCLUSIONS, AND RIDERS.
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