Low out-of-pocket expenses, greatest access to providers
Medicare Supplement insurance, also known as Medigap, is a privately sold health insurance that supplements Original Medicare. Medicare Supplement plans help cover some of the costs not covered by Original Medicare, such as deductibles and coinsurance, so your costs are more predictable.
With a Medicare Supplement insurance plan, you are still enrolled in Original Medicare. That means you can visit any doctor or hospital that accepts Medicare, all across the United States. You retain all your Medicare rights and protections, and your plan is guaranteed renewable. It cannot be canceled for any reason as long as you pay your premiums—even if you move to another state.
Medicare Supplement plans sold after 2006 do not include prescription drug coverage, so you may wish to enroll in a Prescription Drug (Part D) plan as well.