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In the months leading up to Original Medicare enrollment, you should decide whether you want to add a Medicare Supplement policy to help increase your coverage. The decision can be confusing, but it doesn’t need to be.

Use the explanations and table below to get a clearer understanding of your options.

Original Medicare (Parts A & B) is the main building block of health care for American seniors. In 2014, 54.1 million people were enrolled in Medicare, according to the Centers for Medicare & Medicaid Services. You can enroll in just Original Medicare, enroll in a Medicare Advantage plan which provides at least same benefits as Original Medicare, or you can increase your coverage by buying a Medicare Supplement policy.

More about Medicare

Medicare Supplement insurance (Medigap) policies help pay for the large out-of-pocket costs that come with your Original Medicare coverage. In 2014, about 11.2 million people were enrolled in a Medigap policy, according to America’s Health Insurance Plans.

More about Medigap

Review the table below to compare how Original Medicare works on its own or with a Medicare Supplement policy.

Original Medicare only Original Medicare + Medicare Supplement (Medigap)
Summary You get basic hospital & medical coverage from the government. You pay the deductibles, co-payments & extra costs that come with that coverage yourself. You get basic hospital & medical coverage from the government. You pay a private insurer to cover the deductibles, co-payments & extra costs that come with that coverage.
Providers Benefits are paid by the Federal government. Original Medicare benefits are paid by the Federal government. Medigap benefits are paid by private insurance companies.
Popularity 54.1 million enrollees in Medicare Part A and/or B in 2014. 11.2 million enrollees in 2014.
Eligibility You must be at least 65 & a U.S. citizen or permanent legal resident. If you are under 65, you may qualify if you have a disability. Same eligibility as Original Medicare. You cannot have a Medicare Supplement policy and a Medicare Advantage policy at the same time.
Plan parts Medicare Parts A & B Medicare Parts A & B + 1 of 10 Medigap plan options
Plan standards All Original Medicare Plans are exactly the same. All Original Medicare Plans are exactly the same. There are 10 Medigap plan options to choose from. The options are standardized by the government and are the exact same from insurer to insurer. The 10 plans are available in most states, although Massachusetts, Minnesota, and Wisconsin have different options.
Benefits Hospital insurance benefits + medical insurance benefits Original Medicare benefits + Medigap coverage for deductibles, co-insurance, and other costs not covered by Original Medicare.
Premiums Part A is usually free. If not, it costs up to $411 each month.
Part B has a monthly premium of at least $105.
Original Medicare premium + Medigap policy premium
Extra costs
  • Part A deductible
  • Part A co-insurance for hospital, hospice & skilled nursing care
  • Part B deductible
  • 20% co-insurance for Part B medical services
  • Part B excess charges
  • First 3 pints of blood
  • Part A deductible
  • Part A co-insurance for skilled nursing care
  • Part B deductible
  • Part B excess charges

Some plans pay for all of these extra costs.

Who accepts it Any doctor or hospital that accepts Original Medicare. Any doctor or hospital that accepts Original Medicare.
Prescription coverage You must add Medicare Part D to get drug coverage. You must add Medicare Part D to get drug coverage.
Renewal Renewed each year as long as the Part B premium is paid. Original Medicare coverage is renewed each year as long as the Part B premium is paid.
Medigap policies are renewed each year unless the initial application contained errors or the premium is not paid.


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This Website serves as an invitation for you, the customer, to inquire about further information regarding Medicare Supplement insurance, and your call will be routed to a licensed agent who can provide you with further information about the insurance plans offered by one or more of our third party partners. Submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on cost and coverage of this insurance.

We and the licensed agents that may call you 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. 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