Supplemental Insurance

What you Need to Know About Supplement Insurance Coverage
Supplemental insurance, also known as Medigap or Medicare Supplemental plan is a type of coverage that meets out of pocket expenses that the traditional insurance does not pay. The out of pocket costs that the policy covers include the medical treatment provided while traveling out of the country, deductibles, coinsurance, and copayment.

Plans and Benefits Offered

The state and federal government standardize the Medigap insurance provided by the private companies. This means that the benefits provided in one plan are similar across other plans in all states except for Wisconsin, Minnesota, and Massachusetts. The plans, indicated by alphabetical letters include Plan A, B, C D, F, G K, L, M, and N.

The plans offer different types of benefits including medical care while traveling out of the country, and Part B copayments and coinsurance. They also provide skilled nursing facility coinsurance, 3 pints of blood, Part A hospice care copayment, and coinsurance. Medigap insurance plans also cover the hospital admission of up to in 365 days after the exhaustion of the Original Medicare.

Eligibility Requirements

Anyone above 65 years is eligible for the Medigap insurance coverage. Most companies also allow individuals with a disability or end-stage renal disease to acquire the insurance coverage. Anyone applying for the Medigap insurance must hold Medicare Part A and Part B for them to qualify for the coverage. You should also be ready to drop your Medicare Advantage plan before applying for Medigap. The policy does not cover spouses, meaning that each of them has to get a separate coverage. Remember that anyone applying during the six months period after acquiring Medicare Part B or attaining 65 years old has a guaranteed renewal where the insurer cannot deny you coverage due to an underlying medical problem.


Supplemental coverage is not a substitute for Original Medicare but rather a supplement meant to cover out of pocket expenses. Therefore, individuals with Medicare insurance may opt to save an extra coin by applying for this type of coverage.