Medicare Supplement Plans
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What are Medical Supplement Plans?
Medicare Supplement (Medigap) plans are private insurance policies that cover out-of-pocket costs Original Medicare doesn’t pay—like deductibles, copays, and coinsurance.
Think of them as a financial safety net for your healthcare expenses.
For example,
If you have Original Medicare (Part A & Part B), you pay 20% of many medical costs out of pocket. Those "gaps" add up fast! Medigap plans cover some (or all) of these costs.
Key Features,
- Works alongside Original Medicare—it doesn’t replace it.
- Sold by private insurers (e.g., Blue Cross, Cigna, UnitedHealthcare).
- Standardized benefits: Plan "G" from any company offers identical coverage.
What Medigap Covers vs. Doesn’t Cover
Coverage Type |
Included? |
Examples |
|---|---|---|
| Part A hospital coinsurance | ✅ | Hospital stays beyond 60 days |
| Part B coinsurance/copays | ✅ | Doctor visits, lab tests |
| Part A deductible | ✅ (most plans) | $1,632 deductible (2024) |
| Foreign travel emergencies | ✅ (most plans) | 80% of costs abroad |
| Prescription drugs | ❌ | Need separate Part D |
| Dental/Vision/Hearing | ❌ | Not covered |
| Long-term care | ❌ | Nursing home stays |
Is Medigap Right for You?
Choose Medicare Supplement Plans if you need any of these below,
- You want max freedom to choose doctors/hospitals.
- You prefer predictable costs over low monthly premiums.
- You can enroll during your 6-month window (or have guaranteed issue rights).
- You’ll pair it with a Part D plan for prescriptions.
Finally!
Medicare Supplement plans are the gold standard for reducing surprise medical bills with Original Medicare.
They cost more upfront than Medicare Advantage but offer unmatched flexibility and financial security. Start comparing Plan G or N in your area—and do it during your enrollment window to lock in the best rates!