Coinsurance & Copays
Standardized plans can help with certain Part A and Part B coinsurance or copayment amounts.
Compare benefits →Medigap coverage
Help with the costs Original Medicare leaves behind.
Medicare Supplement insurance works alongside Original Medicare to help pay certain deductibles, copayments, and coinsurance, depending on the standardized plan you choose.
How Medigap works
Private coverage that supplements Original Medicare
With Medicare Supplement coverage, Original Medicare generally pays its share of approved services first, and the Medigap policy then pays according to its benefits. You must have Medicare Part A and Part B to purchase a Medigap policy.
- Works with Original Medicare, not Medicare Advantage
- Helps pay certain Medicare cost-sharing amounts
- Standardized plan benefits make comparison clearer
- Coverage is individual, so spouses need separate policies
What to compare
Benefits are standardized, but prices are not
The same lettered plan generally provides the same standardized basic benefits regardless of the insurer, but premiums, pricing methods, discounts, service, and financial strength can differ.
Plan letter
Compare the standardized benefits included in each option.
Monthly premium
Insurers may charge different prices for the same plan letter.
Pricing method
Understand how the insurer sets premiums and how they may change.
Household discounts
Availability and qualification rules vary by insurer.
Provider access
Most Medigap policies allow use with providers who accept Medicare; Medicare SELECT policies can have network rules.
Separate drug coverage
Modern Medigap policies do not include Part D prescription coverage.
Enrollment timing
Your Medigap Open Enrollment Period matters
Your federal Medigap Open Enrollment Period generally lasts six months and begins when you are both 65 or older and enrolled in Medicare Part B. During this period, you have stronger federal protections when purchasing a policy.
During Open Enrollment
Insurers generally cannot use medical underwriting to deny a policy or charge more because of health problems.
After Open Enrollment
Federal guaranteed-issue rights may be limited, and medical underwriting may apply unless another protection is available.
State rules may add options
Some states provide additional Medigap enrollment rights or protections beyond federal requirements.
How we help
Compare standardized coverage without losing the details
We help you review plan letters, insurers, premiums, and timing in a clearer order.
Confirm your Medicare status
We review your Part A and Part B enrollment and relevant timing.
Compare plan letters
We explain which standardized benefits differ between available options.
Compare insurers
We help you review premiums and other practical differences.
Review your Medigap options
Find Medicare Supplement coverage that fits your priorities
Availability, eligibility, premiums, and enrollment protections vary. Contact Covered Quotes for personal help reviewing available options.
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