Medicare Supplement Insurance

Get help with unexpected medical costs that aren't covered by Medicare with supplemental coverage. Speak with an expert on medicare supplement insurance today.

What is Medicare Supplement Insurance?

Medicare supplement (Medigap) insurance can help pay some of the health care costs that Original Medicare Parts A & B does not cover, like copayments, coinsurance, and deductibles.

Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medicare supplement insurance policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan. Advantage plans are ways to get Medicare benefits, while a Medigap policy supplements your Original Medicare benefits.

Important Things to Know About Medicare Supplement Coverage

  • If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins. Leaving an Advantage Plan can only occur during certain time periods of the year.
  • You pay a private insurance carrier a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
  • Like Original Medicare, a Medigap policy covers one person. If you and your spouse both want Medigap coverage, we will work with you to set up two separate policies.
  • Any standardized Medigap policy is guaranteed to renew even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.

Contact us to learn more about the right Medicare Supplement Insurance coverage for you.
(714) 289-1099
1451 Quail Street, Suite 109
Newport Beach, CA 92660​​
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