Q & A

What are Medicare Supplemental Plans (a/k/a Medigap) ?

Answer: Medicare Supplemental plans…also known as “Medigap plans” are “secondary” insurers to Medicare because they pay the “gap” – the payment due to doctors/hospitals that Medicare doesn’t pay. When we seek medical care with a Medigap plan, we show the health care providers our Medicare Card and our Medigap card.

In our professional opinion, Medigap coverage has huge benefits over Medicare Advantage plans in several ways: (1) you may seek care at any doctor or hospital in the USA that accepts Medicare; (2) you do not need a referral to see a specialist: (3) nearly all Medicare medical co-pays are eliminated with a Medigap plan called Plan F; (4) Plan G offers the same benefits as Plan F but asks you to pay the annual $147 Medicare Part B deductible; (5)  Plan N offers the same benefits as Plan F, but asks you to pay the $147 annual Part B deductible, plus $50 Emergency Room co-pay and maximum doctor visit co-pay of $20.

Source: Penn Health Insurance Solutions, Inc., July 7, 2014

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