Medicare Supplements
Exploring Medicare Supplement Insurance (Medigap)
Medicare Supplement Insurance, also known as Medigap, is additional insurance that you can purchase from a private health insurance company to help cover your out-of-pocket costs in Original Medicare. To purchase a Medigap policy, you must have Original Medicare, which means you need to be enrolled in both Medicare Part A (Hospital Insurance) and Part B (Medical Insurance).
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Medicare Supplement timeline:
During your six-month “Medigap Open Enrollment” period, which starts the first month you have Medicare Part B and are 65 or older, you can enroll in any Medigap policy. During this period, the insurance company cannot deny you coverage due to pre-existing health problems.
After this period, you may not be able to buy a Medigap policy, or it may cost more. Your Medigap Open Enrollment Period is a one-time enrollment and does not repeat every year like the Medicare Open Enrollment Period.
What do Medicare Supplement plans cover?
- Helps with Original Medicare coinsurance, copayments and deductibles
- Any doctor who accepts Medicare with no network restrictions
- Specialists without a referral
- Medical coverage when you travel anywhere in the United States
- Some preventive care benefits
Since Medigap plans do not cover prescription drugs, you may want to consider pairing this plan with a Medicare Part D plan.