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Medicare Supplement · Medigap
What is Medicare Supplement insurance?
Medicare Supplement insurance — often called "Medigap" — is sold by private insurance companies to help pay the out-of-pocket costs Original Medicare doesn't cover, such as deductibles, coinsurance, copayments and outpatient services.
Lowers out-of-pocket costs
Coverage that travels with you nationwide
Permanent — even if health changes
Keep your doctor, no referrals
Medicare Basics
The four parts of Medicare
Parts A and B make up "Original Medicare." Parts C and D are voluntary coverages you can add.
Part A — Hospital Insurance
Inpatient hospital stays, skilled nursing facility care, hospice and some home health care.
Part B — Medical Insurance
Doctors' services, outpatient care, medical supplies and preventive services.
Part C — Medicare Advantage
Bundles Part A + B benefits, often with extras, through a private plan.
Part D — Prescription Drugs
Covers many medications prescribed by your doctor or qualified health professional.
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Common Medicare Supplement plan options
A simplified look at what popular standardized plans typically cover. Exact plan availability varies by state and carrier.
| Benefit | Plan A | Plan F* | Plan G | Plan N |
| Part B coinsurance | ✓ | ✓ | ✓ | ✓† |
| Part A hospice coinsurance | ✓ | ✓ | ✓ | ✓ |
| Skilled nursing coinsurance | — | ✓ | ✓ | ✓ |
| Part A deductible | — | ✓ | ✓ | ✓ |
| Part B deductible | — | ✓ | — | — |
| Foreign travel emergency | — | 80% | 80% | 80% |
Eligibility
Am I eligible for Medicare Supplement insurance?
You generally must be enrolled in Original Medicare Parts A & B, live in the state where the policy is offered, and be age 65+ (or under 65 with a qualifying disability in some states). The best time to buy is your 6-month Medigap open enrollment period — you can't be turned down for pre-existing conditions and won't be asked medical questions during that window.
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FAQ
Common questions
What is Medicare?
A federal health insurance program for people 65+, younger people with certain disabilities, and people of any age with end-stage renal disease.
What isn't covered by Medicare Parts A and B?
Long-term care, custodial care, most dental care, routine eye exams, dentures, cosmetic surgery, and routine foot care are generally excluded.
When is the best time to buy Medicare Supplement insurance?
During your 6-month Medigap open-enrollment period, when you can buy any policy sold in your state regardless of pre-existing conditions.
How do I apply?
Start with an application; outside open enrollment or guarantee-issue periods, some medical questions may apply. A licensed agent can walk you through it step by step.
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Educational information only. Plan availability, eligibility and costs vary by location and individual circumstances. iMedGuide is an independent educational resource and is not affiliated with, connected to, or endorsed by the U.S. government or the federal Medicare program. Medicare Supplement insurance is a solicitation; a licensed insurance agent/producer may contact you.