Medicare Supplement
A Medicare Supplement Insurance also know as a Medigap policy helps pay some of the health care costs that Original Medicare doesn't cover such as copayments, coinsurance and deductibles. This supplemental insurance is used to help cover the gaps and is sold by private companies. Medigap offers a combination of benefits, covering expenses ranging from copayments and deductibles to foreign travel emergency expenses and preventive care.

If you have Medicare Part A and Part B, there are up to ten standardized Medicare Supplement insurance plans available for you in most states. (Medicare Supplement insurance plans are different in Massachusetts, Minnesota, and Wisconsin.) The plans are labeled A, B, C, D, F, G, K, L, M, and N.

Generally Medicare Supplement insurance plans don’t cover routine vision or dental care. They also generally don’t cover hearing aids, eyeglasses, private-duty nursing, or long-term care such as nursing home care. For these categories of care you may be able to buy additional insurance from a private insurance company, or be responsible for the full cost.