What is supplemental health insurance?  It is insurance policy offered to cover the gaps left open by your current health insurance policy, covering additional expenses such as co-payments, and reducing their out-of-pocket expenses.  Those on Medicare benefit greatly from a supplemental health policy, particularly seniors on Medicare, who may have a pre-existing medical condition. For Medicare participants, there is a supplemental health policy known as Medigap.

Medigap is health insurance sold by private insurance companies.  It helps pay some of the healthcare costs that original Medicare doesn't cover, and if you have both Medigap and Medicare these will both pay their shares of covered healthcare expenses.

Insurance companies can sell you a 'standardized' Medigap policy, which have specific benefits, allowing you to compare and decide which one would be fit for you.  There are up to 12 different standardized Medigap policies, labeled A-L that you can choose from, each offering basic as well as specific additional benefits per plan.  Costs vary with each plan Medigap has therefore comparison is important, as with each plan difference, also brings difference in cost to you to obtain the policy. One condition regarding Medigap is that you must have Medicare Part A and Part B. The premium for Medigap is paid to the insurance company. Also should you and your spouse both need supplemental health insurance, Medigap, the policy won’t cover both you and your spouse. You must each purchase a separate Medigap policy.

To soften any confusion you may experience from deciding which Medigap policy you should acquire, Quote Medigap's professional and knowledgeable agents will gladly help you in your decision.