What Is Medicare Supplemental Insurance?

Medicare Supplement insurance, or Medigap, is health insurance sold by insurance companies to help fill the gaps in the original Medicare fee­for­service program. Medigap insurance policies pay most, if not all of the original Medicare plan coinsurance amounts, and may provide coverage for the original plan deductibles. Medigap insurance is sold in one of ten standardized policies. The ten plan types must be labeled with the letters A through J. Some of the ten standard plans pay for services not covered by Medicare, such as outpatient prescription drugs, or emergency medical care while traveling outside the United States. All standard Medigap policies are guaranteed renewable. This means that the insurance company must allow you to renew your Medigap policy unless you do not pay the premiums.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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