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Supplemental Coverage (Medigap)

Comprehensive coverage that brings hospital, medical, and often extra benefits together in one plan.

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Medicare Basics

Medicare Advantage

Supplemental Coverage

What is Medicare Supplemental Coverage?

A Medicare Supplement (Medigap) policy helps cover costs like copayments, coinsurance, and deductibles not paid by Original Medicare. Offered by private insurers, Medigap helps make your healthcare expenses more predictable and manageable.

Why consider Medigap?

With a Medicare Supplement plan, you have the freedom to see any doctor who accepts Medicare nationwide. You’ll enjoy predictable out-of-pocket costs with steady coverage, along with protection for expenses not paid by Medicare Parts A and B. Best of all, there are no network restrictions or referrals needed, giving you flexibility and peace of mind wherever you go.

Coverage Highlights

Basic Benefits

  • Hospital coinsurance and additional 365 hospital days
  • Part B coinsurance or copayment
  • Blood (first 3 pints each year)
  • Hospice care coinsurance or copayment

Additional Benefits

  • Skilled nursing facility coinsurance
  • Foreign travel emergency coverage
  • Part A or Part B deductible coverage
  • Excess charge protection
Things to know
  • You must be enrolled in Medicare Part A and B to apply
  • Plans are standardized by letter (A–N) across insurers
  • Medigap policies do not include prescription drug coverage
  • You can compare plans and prices easily with AMAC’s advisors
Enrollment
You can apply for a Medicare Supplement policy any time. However, the best time to buy a plan is during your 6-month Medicare Supplement Open Enrollment period.
 
Your Medicare Supplement Open Enrollment period starts the first month you are both age 65 or older and have Part B. The advantage to this enrollment period is you can buy any Medicare Supplement plan sold in your state without answering health questions. Even if you have health problems, insurance companies cannot deny you a Medicare Supplement policy and must offer the same price as people with good health.
 
If you apply after your open enrollment period, there is no guarantee that an insurance company will sell you a policy unless you are eligible for a guaranteed issue right. If you’re under age 65 and have Medicare, you may not be able to buy a Medicare Supplement policy or the one you want until you turn 65.
Cost
Cost Insurance companies can set their own premiums for their Medicare Supplement plans. There can be differences in the premiums that different insurance companies charge for exactly the same coverage. When shopping for a Medigap policy, be sure to compare the same policy between several insurers.

For example—if you’re interested in Plan N—compare the price of Plan N from 2-3 different insurance companies. This way you will know you’re getting the best price for the plan you want.
Speak with an Advisor or Ready to Enroll?
No matter where you are in your Medicare journey, we’re here to guide you.
Whether you’re ready to enroll or just have questions – we can help you find the right path forward.
  • Talk with an advisor

Not sure where to start? Schedule a friendly call with one of our licensed AMAC advisors. We’ll answer your questions, explain your options, and help you feel confident about your next step.

Schedule a Call
  • Self-Enrollment

If you’re comfortable enrolling online, you can use our guided self-enrollment tool. It walks you through each step — and if you ever get stuck, we’re just a phone call away. This online enrollment option is available for Medicare Advantage Plans only.

Start Self-Enrollment
  • Call Us Now to Enroll

Have a quick question or need immediate help? Call our Medicare support team at 1-800-334-9330. We’ll walk you through your options and help you get started today.

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Phone Hours

1-800-334-9330

Monday-Friday 9am–5pm (EST)

Compare Medicare Advantage Plans

Use the AMAC Medicare tool to explore and compare Medicare Advantage plans in your area.

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