Medicare supplement and part D Quotes
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Medicare supplement - medigap
Medicare Supplement (Medigap) Plans

Note: This information is included for educational purposes ONLY and no carrier-specific benefits or details are provided.

Please contact us at 1-877-734-3884* for more information about Medicare Supplement (also called "Medigap") plans and for quotes on particular plans from specific carriers. We represent many of the carriers offering these types of plans. Availability and pricing vary by state of residence and other factors listed below. Note: By calling this number, I understand that I will be directed to a licensed insurance agent or broker.

Medicare Supplement plans aren’t Original Medicare (Part A or B) or a Medicare Advantage plan (Part C) because they’re not a way to get Medicare benefits, and prescription drug plans (Part D) must be purchased separately. Medicare Supplement plans are identified by letters (such as Plan C) except in Massachusetts, Minnesota, and Wisconsin. Each Medicare Supplement plan (e.g. Plan C) must offer the same basic benefits, no matter what insurance company sells it.

Medicare supplement policies sold by insurance companies  differ by cost, underwriting criteria, extra services (value added benefits), and customer service. Rates generally vary by age, sex, tobacco usage and zip code. Some carriers have a single "unisex" rate for both genders and some have separate rates for males and females.

Medicare supplement insurance companies must follow federal and state laws.  A Medicare Supplement policy covers only one person.  If a married couple wants Medicare Supplement coverage, they must buy separate Medicare Supplement policies. Some carriers offer a discount if both spouses purchase a policy.

Medicare Supplement ("Modernized") Plans

New laws have brought many changes to Medicare Supplement (Medigap) insurance policies, and individuals buying Medigap policies on or after June 1, 2010 have new choices.  The former plans E, H, I and J are longer sold. Plans D and G bought on or after June 1,2010 have different benefits than D or G plans bought before that date.  Note:  you can keep your old Plan D, E, G, H, I or J supplement bought before June 1, 2010 and in many cases there should be no need for you to change plans.  Plans M and N are new choices not previously offered.


Click here to obtain the 2015 version of Choosing a Medigap Policy: A Guide to Insurance for People with Medicare, the official government publication that explains Medigap policies. This guide includes the following information:

  • What a Medigap (Medicare Supplement Insurance) policy is
  • What Medigap policies cover
  • Your rights to buy a Medigap policy
  • How to buy a Medigap policy

The chart at the bottom of this page compares all of the Medicare Supplement policies currently available.



Medicare Suppliment Plans

 


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