is an objective source of information and advice to guide you through this process, either for yourself or a loved one.
MedicareSupplemental.com is an information portal and quote provider for Medicare Supplemental Insurance, also called "Medigap" insurance. If you are visiting us, you are likely to be either looking for or contemplating the purchase of a Medicare Supplemental policy.
Medicare Supplemental insurance is a kind of health insurance policy sold by private insurance companies to fill the "gaps" in Original Medicare Plan coverage. Not connected with or endorsed by the United States government or the federal Medicare program.
You must be Medicare-eligible (in general, over age 64.5 years old) and covered under Original Medicare. Medigap policies don’t work with any other type of health insurance, including Medicare Advantage insurance plans, employer/union group coverage, Veterans Administration (VA) benefits, or TRICARE.
Anyone who is on Medicare Part A and Part B can buy a Medigap policy.
Medigap policies help pay some of the health care costs that your Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs. You and your spouse must each buy separate Medigap policies. Your Medigap policy won’t cover any health care costs for your spouse.
Medigap is add-on insurance policy for each eligible individual that covers medical expenses not covered under Original Medicare.
In each standardized Medicare Supplemental insurance plan, basic benefits are identical from one company to the next. This makes insuance plan comparison far easier than it is for general individual health insurance. However, premiums may vary between companies. In most cases, you should compare insurance plans from different carriers. As you shop for a Medigap policy, be sure to compare the same type of Medigap policy (for example, compare a MedigapInsurance Plan F from AARP with a Medigap Plan F from Mutual of Omaha). You can get a quote from one of our Medicare Supplemental partners by completing the form to your right.
For Medicare Supplemental coverage, you will pay a monthly premium to the insurance company providing you with coverage. While we cannot provide pricing on this page, you can get price quotes by filling out the form above.
Every Medicare Supplemental policy, in order to be designated a “Medicare Supplemental” or “Medigap” insurance plan, has to follow federal and state laws designed to make the buying process easier for the consumer. Medigap insurance companies can only sell you a “standardized” Medigap policy identified by letters A, B, C, D, F, High-Deductible F, G, K, L, M, and N. Each standardized Medigap policy must offer the same basic benefits, no matter what insurance company sells it. Cost is usually the only difference between Medigap policies sold by different insurance companies. (You should, however, compare insurance companies on other measures such as customer service and reputation.)
Medigap policies are structured in standard packages (Plans A through L), making pricing comparisons easier for consumers.
There are exceptions to the standardization if you live in certain states, such as Massachusetts, Minnesota, and Wisconsin. Depending on your state, you may be able to buy another type of Medigap policy called Medicare SELECT (a Medigap policy that requires you to use specific hospitals and in some cases specific doctors to get full benefits). Who Provides Medicare Supplemental Insurance? Medicare supplemental insurance is provided by private insurance companies such as AARP, BlueCross BlueShield, Globe Life, Humana, Mutual of Omaha, Transamerica Life, United American, UnitedHealthcare and many others. Remember from above that Medigap insurance companies can sell you only a “standardized” Medigap policy. All Medigap policies must have specific benefits so you can compare them easily on the basis of price.
MedicareSupplemental.com has contracted with leading Medigapinsurance carriers to provide you an easy starting place to receive Medicare Supplemental quotes:
MedicareSupplemental.com is a leading information portal for Medicare Supplemental information. The website is operated by HealthCare.com, Inc. We are not an insurance agency or a carrier, and so you can feel confident that we do not favor one insurance company over another. Our main focus is to help you to find the best insurance plan for you. We have relationships with some of the leading licensed carriers and agencies across the U.S. in order to present you with health insurance quotes.