Overview

If you choose Original Medicare (Parts A and B) instead of Medicare Advantage, you can get extra help with a Medicare Supplement plan or “Medigap insurance” to cover healthcare costs that Original Medicare doesn’t pay for.

Plan Options 

There are lots of plans out there, labeled A, B, C, D, F, G, K, L, M, and N. These plans can cover things like hospital costs, coinsurance, copayments, blood expenses, hospice care, skilled nursing, and more.

Enrollment

You can sign up for a Medicare Supplement plan without any extra fees during your first 7 months of Open Enrollment (state variations may apply).

Plan Costs to Expect

As for the cost, it depends on the plan you choose and what the insurance company charges. For example, Medicare Plan G can cost between $100 to $300 a month on average, but the price can change based on where you live, your gender, and your age.

Next Steps

It’s important to think about what you might have to pay out-of-pocket if Medicare doesn’t cover something. Most Medicare Supplement plans help with Part B coinsurance, and some plans cover many benefits completely, so you might not have to pay extra for Part B expenses.