Medicare Supplement

Original Medicare covers about 80% of most medical costs. A Medicare Supplement policy is built to pick up the rest.

What it fills in

Bridging the gap Original Medicare leaves open

Medicare Supplement policies are sold by private insurance companies and standardized into lettered plans (like Plan G or Plan N) so benefits are consistent no matter which company you buy from.

Helps cover deductibles, copayments, and coinsurance
Works alongside Original Medicare, not in place of it
Accepted by any provider who accepts Medicare, nationwide
No provider networks or referrals to worry about

Standardized plans

Same letter, same benefits — every carrier

Because Medicare Supplement plans are standardized by the government, a Plan G from one company covers the same benefits as a Plan G from another. The difference between carriers usually comes down to price and customer service.

Plan G

One of the most comprehensive plans available to newly eligible beneficiaries, covering nearly all gaps except the Part B deductible.

Plan N

Lower premiums in exchange for small copays on office and ER visits — a popular middle ground.

Other lettered plans

Plans A, B, D, K, L, and M offer varying levels of coverage; availability depends on your state and eligibility date.

Timing matters

Your Medicare Supplement Open Enrollment Period

The best time to buy a Supplement is during your six-month Medicare Supplement Open Enrollment Period, which starts the month you're both 65+ and enrolled in Part B. During this window, you can't be denied coverage or charged more due to health conditions. Outside of it, medical underwriting may apply.

Not sure if a Supplement or Advantage plan fits better?

We'll compare both side by side against your real doctors and budget.

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