Medicare Supplements

Covering Out-of-Pocket expenses

Medicare covers a lot of healthcare services, but it doesn’t cover them all completely. The patient is responsible for paying all out of pocket expenses. Depending on the health service, this can add up to a lot of money. This is why Medicare Supplement Plans were created. Read on to learn more about Medicare Supplement Plans.

Basics of Medicare Supplement Plans

Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs.

Structure of Supplement Plans

Supplement plans are offered by private insurers, but they have to meet certain federal and state guidelines. Each supplement plan is based on a template. These templates are labeled A, B, C, D, F, G, K, L, M, and N. While the exact details of each plan differ based on the plan and the insurer, the private companies still have to follow these templates.


Medicare covers many healthcare costs, but you’re still expected to pay certain costs out-of-pocket. Medicare Supplement Plans decrease the amount you have to pay in exchange for a monthly premium. For more information on supplement plans, contact us at Your Senior Insurance.

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