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About Medicare Supplement Insurance

A Medicare Supplement policy (Medigap) is health insurance sold by private insurance companies to fill the gaps in Original Medicare coverage. Medigap policies can help pay your share (coinsurance, copayments or deductibles) of the costs of Medicare-covered services. If you have Original Medicare and a Medicare Supplement policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medicare Supplement policy will pay its share.

Every Medicare Supplement policy must follow federal and state laws designed to protect you, and the policy must be identified as "Medicare Supplement Insurance.” Medicare Supplement Plans are "standardized” and identified by the letters A-N. Each standardized Medicare Supplement policy must offer the same basic benefits, no matter which insurance company sells it. Cost is the only difference between the "standardized" policies with the same letter (A-N) sold by different companies.

The "standardized" Medicare Supplement plan chart is below: