Additional Coverage with Medicare Supplement

Helps Pay Costs Original Medicare Doesn’t Cover

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Mind the Gap

Medicare Supplement Insurance, also called Medigap, offers extra coverage to help pay for out-of-pocket costs not covered by Original Medicare. These plans, provided by private insurance companies, help with expenses like copayments, coinsurance, and deductibles. To get a Medicare Supplement plan, you must first enroll in Original Medicare, which includes Part A (Hospital Insurance) and Part B (Medical Insurance). Each plan covers only one person. If both you and your spouse need coverage, you’ll each need to buy your own plan.

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Explore Supplement Plans

Need Extra Coverage?

Help pay for costs Original Medicare doesn’t cover.
Worried About Costs?

Reduce your Medicare out-of-pocket costs.
Enrolled in Medicare?

You may qualify for a Medicare Supplement plan.
Question About Coverage?

Talk to our licensed agent for guidance and support.

Key Features of
Medicare Supplement Plans

Help With Out-of-Pocket Costs

Medicare Supplement plans help cover costs that Original Medicare doesn’t, like copayments, coinsurance, and deductibles. This extra coverage can lower your share of expenses when you visit a doctor or get hospital care.

Works With Original Medicare

These plans work alongside Original Medicare (Parts A and B), not as a replacement. You keep your Medicare benefits and gain added financial protection from medical costs that can add up over time.

Freedom to Choose Providers

With a Medicare Supplement plan, you can see any doctor or specialist who accepts Medicare. No referrals or networks are required. This flexibility makes it easier to access care wherever you are.

Not for Advantage Plans

You can’t use a Medicare Supplement plan with a Medicare Advantage plan. You must pick one or the other based on how you want to receive your Medicare coverage.

Medicare Supplement vs. Medicare Advantage Plans

Feature	Medicare Supplement	Medicare Advantage Plans
How It Works	Helps pay out-of-pocket costs not covered by Original Medicare (Parts A & B).	Offers an alternative to Original Medicare, combining Parts A & B, often with extra benefits.
Drug Coverage	Not included. You’ll need to buy a separate Part D drug plan.	Usually included. Most plans bundle Part D prescription drug coverage.
Doctors & Hospitals	Use any doctor or hospital nationwide that accepts Medicare. No networks or referrals needed.	Typically uses provider networks (HMO or PPO). May need referrals or stay in-network for lower costs.
Costs	Monthly premium + Original Medicare premium. Helps reduce cost-sharing.	May have low or $0 premiums, but includes copays, deductibles, and out-of-pocket maximums.
Extra Benefits	Does not include dental, vision, or hearing.	Often includes dental, vision, hearing, fitness, and wellness programs.
Coverage Type	Works with Original Medicare	Replaces Original Medicare. Private insurer manages your benefits.
Enrollment	6-month Medigap Open Enrollment after enrolling in Part B. Some states allow enrollment under 65.	Initial, Annual, and Special Enrollment Periods apply. You must have Parts A & B to join.

Advantages of a
Medicare Supplement Plan

Choosing the right Medicare Supplement Insurance depends on your current health and financial needs. It can feel overwhelming, but our licensed agents at Reliable Health Partners are here to help. Talking with one of our Medicare specialists can make it easier to find a plan that fits your situation. As you approach age 65, it’s a great time to explore your options and secure coverage that supports your future. Medicare Supplement policies help you manage healthcare costs and focus on your well-being without added stress.

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