Medicare Supplement
Fill the gaps in Original Medicare and protect your savings
Medicare Supplement insurance, also called Medigap, helps pay for out-of-pocket costs that Original Medicare doesn't cover. With a Medigap plan, you get the freedom to see any doctor who accepts Medicare, anywhere in the country, with predictable costs and no surprise bills.
Key Benefits
See Any Doctor Nationwide
Visit any doctor or specialist who accepts Medicare patients, anywhere in the United States, with no network restrictions or referral requirements.
Predictable Healthcare Costs
Know exactly what you'll pay each month. Medigap plans cover most or all of your copays, coinsurance, and deductibles so you can budget with confidence.
Travel Coverage
Get emergency medical coverage when traveling outside the United States — a benefit not offered by Original Medicare alone.
Guaranteed Renewable
Your policy cannot be cancelled as long as you pay your premiums, regardless of changes in your health. Your coverage is guaranteed for life.
Standardized Benefits
Medigap plans are standardized by the federal government, so Plan G from one company offers the same benefits as Plan G from another.
Reduced Financial Risk
Protect yourself from high out-of-pocket costs with coverage that pays after Medicare, leaving you with little to no remaining expenses.
How It Works
Enter Your Zip Code
Tell us where you live so we can find plans available in your area.
Compare Plans
Review coverage options side by side and see what fits your needs and budget.
Enroll with an Expert
A licensed agent guides you through enrollment at no cost to you.
Frequently Asked Questions
Medicare Supplement insurance, also called Medigap, is a policy sold by private insurance companies that helps pay for out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles. Unlike Medicare Advantage, Medigap policies work alongside Original Medicare rather than replacing it.
Plan G is the most comprehensive Medigap plan available to new enrollees and covers nearly all out-of-pocket costs except the Part B deductible. Plan N has lower premiums but requires small copays for some office visits and emergency room visits. Both plans let you see any doctor that accepts Medicare anywhere in the country.
The best time to buy a Medigap policy is during your Medigap Open Enrollment Period, which is the 6-month window that starts when you are both 65 or older and enrolled in Medicare Part B. During this period, insurance companies cannot deny you coverage or charge you more because of pre-existing health conditions. Outside this window, you may face medical underwriting.
Yes, one of the biggest advantages of Medicare Supplement plans is that you can see any doctor or specialist in the United States who accepts Medicare patients, with no referrals needed. There are no provider networks to worry about, giving you maximum flexibility in choosing your healthcare providers.
No, Medigap plans do not cover prescription drugs. If you have Original Medicare with a Medigap policy, you will need to enroll in a separate Medicare Part D prescription drug plan to get drug coverage. A licensed agent can help you find a Part D plan that works well alongside your Medigap policy.
Plan Select is not affiliated with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) for a complete list of available plans. Not all plans offer all benefits. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period.