What is Medicare Supplement Insurance?

What is Medicare Supplement Insurance?

A Medicare Supplement Insurance policy (also called Medigap) adds on to Original Medicare (Part A and Part B). It helps pay for the part of health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. After Medicare pays its share of the Medicare-approved amount for covered health costs, your Medicare Supplement Insurance policy pays its share.

Medicare Supplement policies do not include prescription drug coverage or dental coverage, but you can add those plans separately, if you choose.

You can have either Medicare Supplement Insurance or a Medicare Advantage Plan (Part C), but not both.

Learn more about Medicare Supplement Insurance

Confused by Medicare terms?

Look it up in the Cigna Medicare Glossary

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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.