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Medicare Supplement Insurance Basics

Why choose Medicare Supplement?

Because Original Medicare pays for only about 80% of your coverage.

Medicare Supplement (also known as Medigap) covers things that Original Medicare doesn’t, like copays, deductibles, and coinsurance (Need to know more about copays, deductibles and coinsurance? Learn more here). It does all this with a steady, predictable, monthly bill you can budget for. And it can’t be cancelled. It will be renewed for as long as you pay your premium on time.

Is Medicare Supplement Insurance the right fit for you?

It's a great fit!

It's not the best solution for you.

  • You have or are planning to enroll in Original Medicare (Parts A and B).
  • You want more coverage than Part A and Part B give.
  • You’d rather pay a monthly, predictable bill than have to pay out of pocket for a large, unexpected medical bill.
  • You want to see any doctor who accepts Medicare — and you want to see them without a referral.
  • You like the flexibility and control of buying a separate dental and vision plan.
  • You want to be able to travel across the world with the confidence you will be covered.
  • You want the peace of mind that your insurance can’t ever be cancelled, as long as you don’t miss a premium.
  • You are not planning on enrolling in Original Medicare (Parts A and B).
  • Your employer or your union help cover costs that Part A and Part B don’t cover.
  • You have Medicare Advantage (Part C) or are about to sign up for it.

See what Medicare Supplement Insurance plans are available to you

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Doctor Choice - Question 1 of 7

Your Medicare Recommendation Question 1 of 7

Note: Most Medicare Advantage plans are affiliated with specific health provider networks, you will be limited to doctors and providers in these plans.
Note: Medicare supplement plans let you go to any doctor or provider that accepts Medicare patients.

Managed Care Question 2 of 7
Domestic Travel Question 3 of 7

-Because most Medicare Advantage plans revolve around a provider network, you may not be covered for routine visits while traveling domestically.
-Medicare Supplement insurance plans don’t have networks allowing you to see doctors around the country as long as they accept Medicare.
- Both plans have protection for urgent and emergency care.

Yearly Maximums Question 4 of 7

- Which plan you choose and how often you use it will determine the amount and timing of premium payments and out of pocket expenses.
- Medicare Advantage plans have low or no monthly premiums, but higher out-of-pocket costs when you see doctors or have hospital stays (the average out-of-pocket limit for Medicare Advantage is $7,550 in 2021**).
- Medicare supplement insurance plans have higher monthly premiums, with lower out-of-pocket costs when you see doctors or have hospital stays (the average Medicare supplement insurance premium in 2020 was $1,408*).

Monthly Premiums Question 5 of 7
  • Generally, the higher premium you pay each month for Medicare coverage, the less you pay for out-of-pocket costs such as copays, coinsurance and deductibles.
  • Some people enjoy the predictability that comes from paying for coverage up front and not having to worry about surprise out-of-pocket expenses.
  • Others prefer to pay little or no premium each month but know that they may incur out-of-pocket expenses depending on what health care needs they have.
  • Some plans keep your premium and copays low by keeping you in network to save on costs. This can sometimes mean higher coinsurance, deductibles and yearly maximums.
Prescription Drug Plans Question 6 of 7
  • Most Medicare Advantage plans have built-in benefits, beyond basic health coverage like dental and vision, that set them apart. Many customers prefer this low cost, all-in-one approach.
  • Medicare supplement insurance plans have standardized health benefits and pair well with additional policies, allowing you to to customize the benefits that are most important to you.
Dental, Vision and Other Benefits Question 7 of 7
  • Most Medicare Advantage plans have built-in benefits, beyond basic health coverage like dental and vision, that set them apart. Many customers prefer this low cost, all-in-one approach.
  • Medicare supplement insurance plans have standardized health benefits and pair well with additional policies, allowing you to to customize the benefits that are most important to you.

A little personal information to give you an accurate recommendation.

Years (Numbers only)

5 digit zip code of residence Call (713) -369-0997 if you need assistance

* This information is Required for a Quote

Benefits of Medicare Supplement Insurance

Your Doctors and Hospitals, Your Choice – Wherever You Are

Keep your doctors and hospitals. Any health care provider that accepts Medicare patients accepts Medicare Supplement insurance. You won’t have to worry about finding network providers or getting referrals to see specialists.

Travel the World with Confidence

Most Medicare Supplement insurance covers healthcare even when you’re traveling outside the country. (Benefit is subject to a $250 deductible, 20 percent coinsurance and a lifetime maximum of $50,000.)

Take Your Coverage Coast-to-Coast

Just like Medicare, your Medicare supplement insurance covers your health care needs anywhere in the United States. That way, you can visit family and friends anywhere you choose.

Keep Your Coverage, Year After Year

Your Medicare Supplement insurance policy can’t be cancelled. It’ll be renewed as long as you pay the premiums on time.

When can I apply for Medicare Supplement Insurance?

Your open enrollment period starts when you turn 65 or when you first sign up for Part B. It lasts for 6 months. This is the best time to sign up, because you’ll get the best possible rate and can’t be denied for a pre-existing condition. After this 6-month window closes, you can still apply but the insurance company may use medical underwriting. There is also the possibility that you could be denied.

The ABC's of Medicare

The ABC's of Medicare

To choose the right coverage, you need to know the basics about Medicare. We've collected everything you need to know about Medicare, so you can choose the best plan.
Learn the Basics

Learn the Basics
Answering Your Questions

Answering Your Questions

Here you can find answers to commonly asked questions, everything from the basics all the way to how to switch plans. Frequently Asked Questions

Frequently Asked Questions
Medicare Advice Center

Medicare Advice Center

Answer a few simple questions to get a customized recommendation on what Medicare Solution works best for you.
Get Your Recommendation

Get Your Recommendation

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