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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.

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