Understanding Medicare

How Medicare Supplement Insurance Works with Medicare

Understanding the Parts of Medicare

To understand Medicare Supplement Insurance, it may help to see how it fits into the bigger Medicare picture. Please note that the various parts of Medicare are labeled A, B, C and D, and the various Medicare Supplement plans are also labeled alphabetically A - N, but they are not the same.

You may be eligible for Medicare Supplement insurance if you are age 65 or older, enrolled in Original Medicare (Parts A and B) and have not already purchased Medicare Advantage (Part C). You can have either a Medicare Advantage Plan or a Medicare Supplement Plan, but not both at the same time.

Step 1 Decide how you want to get your coverage: Original Medicare OR Medicare Advantage

Original Medicare

Part A
Hospital Insurance

Once you turn 65, you’re automatically enrolled in Medicare Part A. Most people don’t have to pay a premium for Part A because they, or their spouse, paid Medicare taxes while working.

Part B
Medical Insurance

Medicare pays generally 80% of approved charges and the rest is out-of-pocket. Part B requires you to enroll separately (it’s not automatic like Part A) because you have to pay a monthly premium and satisfy a deductible before Medicare will pay benefits.

Medicare Advantage Plan

Part C
Medicare Advantage Plan


Part A
Hospital Insurance

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Part B
Medical Insurance

A type of Medicare health plan offered by a private company that contracts with Medicare to provide Original Medicare Part A and Part B benefits. Learn more about Medicare Advantage Plans from Cigna

Step 2 Decide if you need to add drug coverage

Part D
Prescription Drug Coverage

Part D plans are part of the government’s Medicare program, but they’re offered and managed through approved private insurance companies. Learn more about Medicare Part D prescription drug plans from Cigna

Step 3 Decide if you need to add supplemental coverage

Medicare Supplement Insurance
Plans A - N

Medicare Supplement Insurance is an insurance policy that supplements Original Medicare. It helps pay for some of the healthcare costs that Original Medicare doesn’t cover.

Cigna* offers a variety of plan options to meet your coverage needs. For more details, Compare Medicare Supplement Plans

Step 3 Decide if you need to add supplemental coverage

Medicare Supplement Insurance
Plans A - N

Medicare Supplement Insurance is an insurance policy that supplements Original Medicare. It helps pay for some of the healthcare costs that Original Medicare doesn’t cover.

Cigna* offers a variety of plan options to meet your coverage needs. For more details, Compare Medicare Supplement Plans

*Insured by Cigna Health and Life Insurance Company, American Retirement Life Insurance Company or Loyal American Life Insurance Company

**Your policy cannot be terminated for any reason other than non-payment of premium or material misrepresentation in the application for insurance. The company reserves the right to increase premiums on a class basis.

Notice for persons eligible for Medicare because of disability:
In the following states, all Medicare Supplement plans are available to persons eligible for Medicare because of disability: Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Vermont and Wisconsin.