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Medicare Supplement (Medigap)
Medicare Supplement plans, also known as Medigap, are offered by private insurance companies to help cover certain out-of-pocket costs that Original Medicare (Parts A and B) does not pay, such as deductibles, copayments, and coinsurance.
With a Medicare Supplement plan, Original Medicare pays its share of approved medical expenses first. Then, depending on the Medigap plan you select, it may cover some or all of the remaining costs. Medigap plans are designed to work alongside Original Medicare and do not replace your Medicare benefits.
Medicare Supplement plans are standardized and availability varies by state. These plans do not include prescription drug coverage (Part D), so you may need a separate Part D plan for medication costs.
Medicare Advantage (Part C) Plans
Medicare Advantage plans, offered by private insurers contracted with Medicare, provide all Original Medicare (Parts A & B) benefits and may include extra coverage like prescription drugs (Part D). Additional benefits like dental, vision, and hearing may also be available.
Some plans have low or no additional premium, but costs, coverage, and provider networks vary. You must remain enrolled in Medicare Part A and B, and live in the plan’s service area.
Plan availability, benefits, and costs vary.
Life and Long-Term Care Insurance Options
Many people are surprised to learn that Medicare does not cover long-term care expenses. Long-term care services can be provided at home, in a nursing facility, or in an assisted living community.
With costs reaching thousands per month, a long-term care insurance plan can help protect your retirement savings and ensure you receive the care you need.
