Medicare Supplements
Medicare Supplement plans (Medigap) pay costs Original Medicare leaves you responsible for — deductibles, coinsurance, and copayments.
Talk to an AdvocateWhat Medicare Supplements covers
Original Medicare covers most of your healthcare costs, but not all of them. You are responsible for a hospital deductible, 20% coinsurance for most doctor visits, and various copayments. A Medicare Supplement plan is private insurance that covers some or all of those remaining costs. Supplement plans are standardized by letter (Plan G, Plan N, etc.) — the benefits are identical no matter which insurer you buy from, so price is the main differentiator.
- Part A hospital coinsurance: Hospital costs up to 365 days beyond Medicare's coverage.
- Part B coinsurance or copayment: The 20% of doctor and outpatient costs Medicare does not pay.
- Part A deductible: Covered in full by most plans.
- Skilled nursing coinsurance: Covered after day 20 of a qualifying stay.
- Foreign travel emergency: Covered at 80% on most plans, up to lifetime limits.
Who it is for
Supplement plans are a strong fit for people who want certainty about their out-of-pocket costs, use healthcare regularly, or travel within the U.S. and want to see any Medicare-accepting provider without network restrictions. Because Supplement plans do not include drug coverage, you will also need a separate Part D plan.
New to Medigap? Read what it is and how it works.
Read the basicsCommon questions
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Talk to an Advocate
Get personalized guidance on your coverage options, at no cost to you.
No cost. No pressure. Your information stays private.
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