Medicare Supplements (Medigap)

Medicare Supplement (Medigap) policies are sold by health insurers to enable beneficiaries to offset costs not covered by Medicare, like deductibles, co-pays, and co-insurance.  There are a limited number of plans, labeled A through N, and by law each plan carrying a lettered designation must offer the same benefits.  For example, all “A” plans in a particular market must offer the same coverage.  Thus, while some insurers offer extra enticements to enrich their plans, shopping for a Medicare Supplement is largely a matter of identifying a carrier with whom you are comfortable and/or seeking out the lowest-priced policy.

Medicare Supplement policies do not provide prescription drug coverage, so these plans must be further supplemented by a Prescription Drug (Part D) Plan.

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