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A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

You have a choice of Medigap plans to meet your needs and budget. You can choose any doctor or hospital that accepts Medicare patients and you may visit any specialist who accepts Medicare patients with virtually no need for referrals.

Buy a policy when you're first eligible

The best time to buy a Medigap policy is during your 6-month Medigap open enrollment period, because you can buy any Medigap policy sold in your state, even if you have health problems. This period automatically starts the month you're 65 and enrolled in Medicare Part B, and once it's over, you can't get it again. You can get a new policy any time you move to a new coverage area.

5 things to know about Medigap policies

  • You must have Medicare Part A and Part B.
  • You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.
  • Because Medigap policies are regulated by state and Federal laws, the benefits for all the coverage options are the same regardless of insurer. The differences will be in the price.
  • If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).

Save 40% to 50% on Medicare Supplement (Medigap) rates!

Enter your ZIP code to compare quotes from top insurance companies on Medigap.com. Prices vary from company to company, so shop around for the best prices. Medicare supplement insurance is available in up to 10 standardized insurance plans. Each plan is named with a letter of the alphabet. In Massachusetts, Minnesota and Wisconsin there are different standardized plan options available.

Changing Medigap plans?

Review your benefits and costs for 2015, compare alternatives and decide whether to keep or change your plan during Medicare’s annual open enrollment period Oct. 15 through Dec. 7. Our shoppers found average savings of $1,134 per year by switching plans. Get a better Medigap plan during your open enrollment period.

Medicare Supplement Plan Types

*Plan N has up-to a $20 office visit co-pay, and up-to a $50 ER co-pay.

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