What Is Medicare Supplement Insurance?

Medicare Supplement Insurance, or Medigap, is designed to help cover some of the healthcare expenses that Original Medicare doesn't pay—such as copayments, coinsurance, and deductibles.

Some Medigap policies may even include benefits for services not covered by Original Medicare. When you have both Original Medicare and a Medigap policy, Medicare pays its share of the approved costs, and then your Medigap policy pays its share.

Unlike Medicare Advantage Plans, which provide an alternative way to receive Medicare benefits, a Medigap policy works alongside your Original Medicare coverage to help reduce your out-of-pocket costs.

Key Things to Know About Medigap Coverage:

You’ll pay a monthly premium to a private insurance company for your Medigap policy, in addition to your Medicare Part B premium.

Medigap policies are individual plans. If both you and your spouse want coverage, you’ll each need your own separate policy.


Guaranteed renewable: As long as you pay your premiums, your policy can’t be canceled—even if your health changes.

Ready to Find the Right Coverage? Let us help you choose a Medicare Supplement Insurance plan that fits your needs and budget. Contact us today to get started.