Medicare Supplement plans are voluntary insurance policies that supplement Original Medicare coverage. This type of plan is often called a Medigap plan and pays some or all of the out-of-pocket expenses not covered by Original Medicare plans. These plans are available to anyone 65 years old and older and require no referrals to get. The most important thing to remember about these plans is that they do not cover prescription drugs, so it’s important to shop around for the right one.

How to Find the Best Medicare Supplement Plans

Not all providers offer every Supplement plan. And not all plans are available in every state. For example, not all providers sell plans in every city. To find out which plans are available in your area, you should enter your ZIP code. Most Supplementary Medical Insurance providers will ask you for this information when preparing your personalized estimate. By providing this information, you’ll be able to compare the different plans offered by different providers. If they don’t, you can go elsewhere.

If you want to purchase a Medicare Supplement plan, you can do so directly from the insurance company. Some providers provide agents to help you complete the application. Others let you deal directly with the insurance company. Either way, it’s important to remember that you’re liable for any extra charges that you incur, regardless of whether or not they’re covered by Medicare. You may be charged more or receive a lower premium because of your past medical history.