What's Medicare Supplement Insurance?

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Kirby Patterson License #27480
Medicare Advisors of Colorado LLC License #591672

Hi! I'm Kirby

What’s Medicare Supplement Insurance (Medigap)?
Medicare Supplement Insurance (Medigap) helps fill “gaps” in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like copayments, coinsurance, and deductibles.

If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs then your Medigap policy pays its share.

Medicare Supplements (Medigap)
• You must be enrolled in Medicare Part A and Part B.

• A Medicare Supplement policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

• You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.

• Any standardized Medicare Supplement policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medigap policy as long as you pay the premium.

• Medicare Supplement policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (PDP). If you buy Medicare Supplement and a Medicare drug plan from the same company, you may need to make 2 separate premium payments. Contact the company to find out how to pay your premiums.

• It’s illegal for anyone to sell you a Medicare Supplement policy if you have a Medicare Advantage Plan, unless you’re switching back to Original Medicare.

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