Medicare Supplement Plans (Medigap)

What is a Medicare Supplement Plan

A Medicare supplement plan, also known as Medigap, is a private health insurance plan that helps pay some of the costs of Original Medicare, which is government-funded health insurance for people 65 and older.

Medicare Part A (Hospital Insurance) covers inpatient hospital care, skilled nursing facility care, hospice care, and some home health care. Medicare Part B (Medical Insurance) covers doctor visits, outpatient care, preventive care, and some other medical services.
Medigap plans can help pay for:
Copayments and deductibles
Part B excess charges
Foreign travel emergency medical care
Some preventive care
Medigap plans are standardized, which means that they all cover the same benefits. However, there are different riders, each with its own set of costs and coverage.

You can buy a Medigap plan anytime you have Medicare Part A and Part B. However, you may be subject to underwriting if you enroll in a Medigap plan once you have been enrolled in Medicare Part A and B for more than one year.
If you are considering buying a Medigap plan, it is important to compare plans and prices to find the best plan for you.

With 10 years of industry experience, my role is to help clients navigate the complexities of Medicare and choose the right coverage for their unique healthcare needs and budget.


Every year the Center for Medicare & Medicaid Services (CMS) sends a publication to Medicare beneficiaries titled Medicare & You. This booklet contains the most up-to-date information regarding Medicare for that year. I frequently refer to it and that is where some of the information here was obtained. This book is state specific. In the back, is basic information about the different Medicare Advantage and Part D drug plans available in Wisconsin. Another valuable resource is to visit the Medicare website at
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