Medicare Supplement insurance, explained.
Medicare Supplement insurance, also called Medigap, helps pay some of the costs left to you by Original Medicare, such as deductibles, copayments and coinsurance.
Our local team can explain the options we offer and help you compare coverage and premiums.
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Help with your share of Medicare costs.
Medigap works alongside Original Medicare. It is not used with a Medicare Advantage plan. The plan letter identifies the benefits included in a policy, so different plan letters cover different combinations of costs.
You pay a separate premium for the policy in addition to your Medicare premiums. Medigap generally does not cover long-term care, routine dental or vision care, hearing aids or private-duty nursing.
Prescription drug coverage is separate.
Medigap policies sold today do not include prescription drug coverage. A separate Part D plan can provide that coverage.
For standalone drug-plan comparisons and enrollment, use the Medicare resources on our prescription drug plans page.
Compare prescription drug plansWhen you apply matters.
Your six-month Medigap Open Enrollment Period starts the first month you have Part B and are 65 or older. This is a one-time period; it does not return each fall.
Outside this period, an insurer may review your health history and could decline your application. Federal protections and state rules can provide other opportunities to buy or change coverage.
Medicare’s Medigap enrollment guideIf you already have insurance, confirm acceptance and the new coverage’s start date before cancelling your current policy.
Get help choosing Medicare Supplement coverage.
We’ll help you understand the Medicare Supplement options we offer and how they differ from Medicare Advantage. Call 217-423-8000 to arrange an appointment in our office, by phone, or virtually.
Call 217-423-8000Arrange an appointment