What is Medicare Supplemental Insurance?Medicare Supplemental insurance is also called a Medigap insurance policy. It is a secondary insurance that is only offered to those people who have “Original Medicare” Medicare part A and B. Medicare Supplemental Insurance helps to cover medical expenses that Medicare part A and part B do not cover.

Those would include things like co-payments, deductibles and other out of pocket expenses. Medicare Supplemental Insurance DOES NOT work with:

  • Medicare C
  • Medicare D
  • Veterans’ Administrative Benefits (VA Benefits)
  • TRICARE
  • Private Insurance
Medicare Supplement Insurance is sold by private insurance companies and it is highly regulated by both State and Federal laws. Plans are Labeled as A, B C, D, F, G, K, L, M and N. Each letter represents a different type of plan. Each lettered plan is always identical regardless of who is selling it. So every Medicare Supplement Insurance plan G is identical to every other Medicare Supplement Insurance plan G, but they are different from other lettered plans such as K, L, and F.

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Things to look for would be cost between plans that are the same, all the plan G’s. look for differences between plan types. For example how does plan F differ from plan D. Some states offer Medicare Select programs that are like an HMO. You only go to doctors and hospitals that are within the network. Those states are Wisconsin, Massachusetts, and Minnesota.