Medicare Supplement (Medigap)

Medicare Supplement insurance (Medigap) helps pay for what Original Medicare does not—such as copays, deductibles, and coinsurance.

Fill the Gaps in Medicare

Medicare Supplement insurance, also called Medigap, is sold by private companies to fill the "gaps" in Original Medicare coverage. These policies help pay some of the health care costs that Original Medicare doesn't cover.

If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.

Key Advantage

See any doctor nationwide who accepts Medicare. No networks, no referrals needed, and guaranteed renewable as long as you pay your premiums.

Advantages of Medigap

Medicare Supplement plans offer unique benefits that provide peace of mind and healthcare flexibility.

See Any Doctor Nationwide

Visit any doctor or hospital in the United States that accepts Medicare. No networks, no referrals, no restrictions on your healthcare choices.

Guaranteed Renewable

As long as you pay your premiums, your Medigap policy is guaranteed renewable. Insurance companies cannot cancel your policy.

Predictable Costs

Know exactly what you'll pay each month. Most plans cover your Medicare deductibles and coinsurance, making healthcare costs predictable.

Foreign Travel Coverage

Many Medigap plans cover emergency care when you're traveling outside the United States, giving you peace of mind while abroad.

No Prior Authorization

Get the care you need when you need it. No prior authorization required for Medicare-covered services with Medigap insurance.

Stable Benefits

Medigap benefits are standardized and don't change year to year. What you enroll in today will be the same coverage tomorrow.

When Can You Enroll?

Timing matters when it comes to Medigap enrollment. The best time to buy is during your Open Enrollment Period.

Open Enrollment Period

Your Medigap Open Enrollment Period is the best time to buy a policy. It lasts for 6 months and begins when you're both 65 or older AND enrolled in Medicare Part B.