Medicare Supplements.
A Medicare Supplement plan (Medigap) is sold by private insurance companies and works alongside Original Medicare. It helps pay the costs Medicare leaves to you: deductibles, copays, and coinsurance.
Medicare Open Enrollment October 15 to December 7 · starts tomorrow
Every dateHow a Supplement works
Medicare pays its share first; your Supplement pays some or most of the rest.
- Any doctor who takes MedicareNo network: if they accept Medicare, they accept you.
- Plans go by lettersPlans with the same letter, like G or N, cover the same basic benefits from company to company. The price is what differs.
- Drug coverage is separateSupplements don’t include prescriptions, so a Part D plan is part of the plan.
- One premium on top of Part BYou pay the Supplement premium in addition to your Part B premium.
Your first six months matter
Your Medigap Open Enrollment Period is the six months that start the month you are 65 or older and enrolled in Part B. During those months, insurance companies can’t turn you down or charge you more because of your health.
After that window, they may. That is why timing is one of the first things we talk through.
Comparing Supplements?
We look at your Part B start date first, so your six months work for you.
