What is Medicare Supplement

Medicare Supplement insurance helps you cover some of the out-of-pocket healthcare costs that aren't covered by Original Medicare. Review the basics to learn more.

The Basics

The Benefits of Medicare Supplement

Medicare Supplement insurance is supplemental health insurance that's sold by private insurance companies but regulated by the government. That means the basic benefit structure for each plan is the same no matter which insurance company you buy it from.

Read more to learn about the benefits of this supplemental insurance.

The Basics of Medicare Supplement

Helps Cover Medicare Costs

Original Medicare covers up to 80% of your healthcare costs. Medicare Supplement insurance helps pay the rest.
Learn what Original Medicare Parts A & B cover (and what you're left paying for) here.

Multiple plans to meet your budget

There are 10 Medicare Supplement insurance plans named after the letters A-N. Every plan has the same basic benefits, with some offering additional benefits for a higher premium.
See our available plans and their benefits here.

Basic benefits:

  • Medicare Part A coinsurance and hospital costs
  • Medicare Part B coinsurance/copayment
  • Part A hospice care coinsurance/copayment
  • Blood (first 3 pints)

Additional benefits:

  • Medicare Part A deductible
  • Skilled nursing facility care coinsurance
  • Foreign travel emergency
  • Part B excess charges
  • Part B deductible

Standardized benefits with every plan

Standardized benefits with every plan

The government regulates Medicare Supplement insurance meaning plans are standardized and must include specific benefits. This is true in all states, except for Massachusetts, Minnesota and Wisconsin whose plans are standardized in a different way.

Not restricted by a network

All healthcare providers that accept Medicare must also accept Medicare Supplement insurance. That means you can continue seeing your doctor or easily find a new doctor without worrying about network restrictions.

All plans are guaranteed renewable

All standardized Medicare Supplement insurance plans are guaranteed renewable - no matter your health status. That means the insurance company can't cancel your policy, and your plan will automatically renew year after year, as long as you pay your premiums.

Guaranteed approval during open enrollment

If you purchase your Medicare Supplement plan during open enrollment, your application is approved without medical underwriting - even if you have health issues.

Open Enrollment is the six-month period beginning on the first day of the month in which you are enrolled in Medicare Part B.

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