How to Choose Between Original Medicare + Supplement or Medicare Advantage with Part D


Medicare supplemental insurance, also known as Medigap insurance, is designed to help you pay for out-of-pocket expenses related to your healthcare. It’s an additional policy that covers costs not covered by traditional Medicare plans, such as co-payments and deductibles. This type of insurance can be a great way to protect yourself from financial hardship in the event of unexpected medical bills. Let’s look at the basics of what you need to know about this type of coverage.

What Does Medicare Supplemental Insurance Cover?

Medicare supplemental insurance helps cover medical expenses that are not covered under original Medicare plans. These include additional doctor visits, hospital stays, and prescription drugs not already covered by Medicare Part D or another form of health plan or drug plan. It can also provide coverage for things like vision services, dental care, hearing aids, and more.

How Much Does it Cost?

The cost of a Medigap policy varies based on the type of coverage you choose and the provider you use. Generally speaking, these policies tend to be more expensive than traditional Medicare plans because they offer more comprehensive protection. However, if you are looking for a way to supplement your existing coverage and reduce your risk of being stuck with large out-of-pocket expenses in the event of an emergency or illness, then this type of plan can be well worth the cost.

Do I Need It?

Whether or not you need a Medigap policy depends on your individual situation and needs. If you are already covered by traditional Medicare plans but want additional protection against potential financial hardship due to medical bills, then supplemental insurance may be worth considering. On the other hand, if you have access to other forms of health care coverage (such as through an employer) that offers similar protections, then it may make more sense for you to continue with those policies instead.


Understanding the benefits of Medicare supplemental insurance is an important part of protecting yourself against financial hardship due to medical expenses. These policies can provide additional coverage for things like doctor visits and hospital stays that aren’t already covered by traditional Medicare plans and can help ensure that you don’t end up paying unexpected costs out-of-pocket in the event of an emergency or illness. Ultimately, whether or not a Medigap policy is right for you will depend on your individual situation and needs—but it’s definitely worth considering if you want extra peace of mind when it comes to taking care of your health.

Medicare supplemental insurance can be a great way to fill in some of the gaps left by traditional Medicare plans. For instance, some policies may cover hospitalizations beyond what Medicare would pay for, or provide coverage for certain types of doctors’ visits that aren’t covered under regular Medicare plans. Other Medigap options include home health care, skilled nursing facility care, emergency room visits, and foreign travel coverage.

It’s important to note that not all Medicare supplemental plans are the same; some may offer more extensive coverage than others. It’s also important to make sure that you understand the details of each policy before signing up


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