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Medicare Supplement Insurance

Medicare supplement insurance helps seniors pay for medical bills not covered by Medicare. It has been available since 1966, one year after the federal government launched the Medicare program. Medicare supplement insurance, also known as Medigap, is sold by private insurance companies, not the government.

Medicare supplement insurance can help seniors pay for healthcare costs such as hospital stays, necessary blood reserves, extended nursing care and many other items. Nearly 1 in 4 Medicare beneficiaries have a policy to help control the rising cost of Medicare, according to a Kaiser Family Foundation study.

What We Do helps Medicare beneficiaries learn, compare and apply for Medigap coverage. We provide answers to frequently asked questions, and explain the consumer impact of industry reforms and requirements.

Using our planning tools, Medicare beneficiaries can compare plans and prepare for future budgetary needs. Once a plan and a provider is decided, will connect consumers with agents offering the selected Medigap plan for the best price.

Comparison shopping is key for Medigap coverage. According to, “Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies.” Since all of the 10 plan options are regulated, the difference between one insurance provider’s Plan F and another’s is simply price.

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Determine Your Medigap Eligibility

Medigap insurance plans are available to seniors 65 years of age or older who are currently enrolled in Medicare Part A and Part B. Some people under the age of 65 may have the opportunity to enroll in Medigap coverage if they are a disabled beneficiary.

Read our Medigap eligibility page for more details.

Compare Available Medigap Plans

There are 10 standardized Medigap plans currently available in the United States. Three states are exempt from the national plans, including Massachusetts, Minnesota and Wisconsin because of state-specific laws.

Our Medicare supplement plans page explains each plan’s coverage requirements.

    • Getting Quotes

      Getting Quotes for Medigap Coverage Applying for a Medigap policy begins by answering several questions about your personal details and medical history. Read more

    • Comparing Price, Plans & Premiums

      Comparing Different Medigap Plans If you don’t compare Medigap plans from various providers, there’s a good chance you could pay more than Read more

    • Buying a Medigap Plan

      Buying a Medicare Supplement Insurance Plan Buying a Medigap policy is a simple process which protects consumers from the unexpected healthcare costs Read more

    • Insurance Companies

      Medigap Insurance Companies About 25% of seniors with Medicare decide to take out a Medigap supplement insurance plan. One of the biggest Read more

    • Medicare Supplement in the United States

      Medigap in the United States In 1990, the Omnibus Budget Reconciliation Act standardized Medigap plans in all but three states. In the Read more

    • Massachusetts

      Medigap Coverage in Massachusetts Massachusetts is one of the three waiver states that standardized their Medigap plans before national plans were established Read more

    • Minnesota

      Medigap Coverage in Minnesota Minnesota is one of the three waiver states with its own Medigap system. Unlike the other 47 states Read more

    • Wisconsin

      Medigap Coverage in Wisconsin Wisconsin is one of three states that has its own standardized system of Medicare supplement policies. Approximately 26% Read more

  • Disclosure: We are not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. Disclamer: This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult