Medicare Supplement Plans are offered by Private Health Insurance companies to help pay the costs that Original Government Medicare does not cover, like Part A & B Deductibles and Co-payments. Medicare Supplement companies charge policyholders a Monthly Insurance Premium for the Plans. Because these plans fill "the gaps" in Government Medicare coverage, they are often referred to as Medigap Insurance.

Medicare Supplement Plans provide the most Flexibility when compared to Medicare Advantage type plans. If you are enrolled in a Medicare Supplement Plan, you are able to see EVERY doctor and receive Medical Care at EVERY hospital, which has a Medicare Contract, Nationwide. These providers have agreed to accept payments from Original Government Medicare (Primary Medicare) and Every Medicare Supplement Plan.

There is a Monthly Cost for these plans. But my clients tell me that it's the Best Coverage you can get. Some Plans cover All deductibles and co-payments. So that your Medical Costs are covered 100%. You simply pay your Monthly Premium, and never pay another Penny for Medical Care.

Please note that these plans will generally Not include the Extra, Non-Health benefits that we see advertised with Medicare Advantage Plans. Benefits like Dental, eyeglasses, and over-the-counter products are often called Ancillary benefits, and will rarely be included with any Medicare Supplement plan.

Also, please remember, that Prescription Drug Costs are Not included in these plans, either, so if you purchase a Medicare Supplement plan, you will need to also buy a Stand-Alone Prescription Drug plan (PDP) to help cover the cost of your Medications.

The process of researching and choosing these plans can be intimidating for many people. This is why Your First Step in choosing Your Medicare Plan is Choosing the Right Agent.