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Medicare Supplement Plans

What are Medicare Supplement Plans?

A Medicare Supplement plan, also called Medigap insurance, may help you pay for the “gap” between what Original Medicare pays and what you pay out of your own pocket. You can apply for Medicare Supplement plans through private insurance companies.


  • Medicare Supplement plans may help pay for out-of-pocket costs under Medicare Part A (hospital insurance) and Medicare Part B (medical insurance).
  • Medicare Supplement plans sold today don’t cover prescriptions. But you can sign up for a stand-alone Medicare Part D prescription drug plan.
  • In most states, there are up to 10 different Medigap basic benefits options to choose from.
  • Medicare Supplement plans are labeled A, B, C, D, F, G, K, L, M, and N (Plans E, H, I, and J are no longer available).
  • In Massachusetts, Minnesota and Wisconsin, Medigap policies are standardized in a different way.


Because Medicare Supplement plans are regulated by state and federal laws, the basic benefits offered by plans of the same letter type are generally the same regardless of insurer.

  • The differences will be in the price and who administers the plan.
  • Each insurer may not offer all types of Medicare Supplement plans in your area.
  • Choose a health insurer you trust, and shop around for the best prices.

In some states, you may be able to buy another type of Medigap policy called Medicare SELECT, which may require you to use a specific network of doctors and hospitals.

Learn More

Are you a low to moderate user of your Medical insurance?  If so, why pay a high premium every month when you could only pay for the services that you are utilizing.  

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Request Medicare Supplement Information

When can I get a Medicare Supplement Plan?

Your Medicare Supplement Open Enrollment Period (OEP) begins the first day of the month in which you are at least 65 and covered under Medicare Part B. You have six months to buy a Medicare Supplement insurance plan when the company is required to sell it to you.  If you wait until after your OEP, you can apply anytime you want, but a plan could reject you or charge you more if you have health problems.

There may be other times after your OEP when you have “guaranteed-issue rights” to a Medicare Supplement plan.

For example, say you sign up for a Medicare Advantage plan. (Medicare Supplement plans don’t work with Medicare Advantage plans.)

  • Suppose you decide to drop the Medicare Advantage plan and return to Original Medicare.
  • Suppose it has been a year or less since you signed up for the Medicare Advantage plan.
  • You have a right to buy a Medicare Supplement (Medigap) plan.
  • Your “guaranteed issue rights” to a Medigap plan only apply to certain plans.