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Supplemental Plan


Need help paying your Medicare deductibles, copayments and coinsurance? A Medigap insurance policy also called Medigap Supplemental Plan or Medicare supplemental plans, helps pay the "gap" between what Original Medicare pays for your health care and what you pay out of your own pocket.






You can get a Medicare supplemental plan only if you have Original Medicare. Medigap Supplemental Plan covers Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). It does not cover Medicare Part C (Medicare Advantage Plans), Medicare Part D (prescription drug plans) or any other private health insurance.



You can get a Medicare Supplemental Plan through private insurance companies. The Medigap policy must be clearly identified as "Medicare supplement insurance." There are 10 different Supplemental Plan coverage options to choose from. Plans are labeled A, B, C, D, F, G, K, L, M and N to signify the plan differences. Plans E, H, I and J are no longer available.



Because Supplemental Plan policies are regulated by state and Federal laws, all benefits for all options are the same regardless of insurer. The differences will be in the price, who administers the plan, and which of the ten options the insurer chooses to offer. You may want to choose a health insurer that you already feel comfortable with. Or you can shop around for the best prices.



Your open enrollment for Medigap Supplemental Plan begins the first month you are covered under Medicare Part B. You have six months to enroll. If you are under 65, check with your state's Social Security Administration to see if they offer additional open enrollment periods.



As long as you enroll during this six-month open enrollment period, the insurance company cannot refuse to sell you a Medicare Supplemental Plan policy, charge you more because you have health problems, or make you wait for coverage to begin. You may, however, have to wait up to six months for coverage of a pre-existing condition. That means, if you have a specific health problem when you enroll, you may have to wait up to six months to be covered for medical services associated with that health problem. Original Medicare will still cover that health problem even if your Medicare supplement plan doesn't cover your out-of-pocket costs.

64 and younger click here