Medicare Supplement Plans
Help covering the costs Original Medicare doesn't pay.
Have Questions About Medicare Supplements?
Send Sherri a message and she'll get back to you within one business day.
What Is a Medicare Supplement?
Original Medicare covers a lot, but not everything. You're still responsible for deductibles, copays and coinsurance, which can add up quickly with a hospital stay or ongoing care. A Medicare Supplement, also called Medigap, is a plan from a private insurance company that helps pay those out-of-pocket costs.
How It Works
Works With Original Medicare
Your Supplement pairs with Parts A and B. It can't be combined with a Medicare Advantage plan.
See Any Doctor Who Accepts Medicare
No networks and no referrals needed.
Standardized Plans
Plans are labeled by letter, like Plan G or Plan N. The same letter has the same benefits no matter which company offers it. Only the price is different.
Add a Part D Plan
Supplements don't include prescription coverage, so most people pair one with a separate Part D plan. It doesn't have to be from the same company.
Good to Know
What does it cost?
You pay a monthly premium for your Supplement in addition to your Part B premium. Prices vary by company, even for the same plan letter, which is why comparing matters.
When should I enroll?
Your Medigap Open Enrollment Period is the 6 months starting the month you're 65 and enrolled in Part B. During that time you can't be turned down or charged more because of your health.
Can I enroll later?
In New York, you can apply for a Medicare Supplement any time of year without answering health questions. In most other states, applying outside your Open Enrollment Period may mean answering health questions, and you could be charged more or turned down. Sherri can walk you through the rules where you live.
Does the Annual Enrollment Period apply?
AEP (Oct 15 – Dec 7) is for Medicare Advantage and Part D. Supplements don't follow that calendar.