Medicare Supplement / Medigap
Understand what
a Supplement adds.
A Medicare Supplement policy works alongside Original Medicare to help pay certain costs that Medicare leaves to you.
Coverage that works with Parts A and B.
Medigap policies are sold by private insurers. Depending on the policy, they help with certain Medicare deductibles, copayments or coinsurance. You generally need both Part A and Part B, and you pay a separate premium for the Supplement.
Medigap is not Medicare Advantage. New Medigap policies do not include prescription drug coverage; a separate Part D plan is usually considered alongside your Supplement.
What Steve helps you compare
- The standardized benefits of the plan options you are considering.
- Premiums and how they may change over time.
- Eligibility, timing and New York consumer protections.
- How the policy fits with your separate drug coverage.
New York has its own Medigap protections
New York generally requires Medigap insurers to accept applications throughout the year without denying coverage because of health status. A pre-existing-condition waiting period may still apply in some circumstances. Review the state’s guidance and the insurer’s policy terms.
Read New York’s Medigap guidanceMedigap does not turn ongoing custodial long-term care into a Medicare-covered service.
Learn about the long-term care gapStart with a conversation.
Tell Steve what you need help with. We’ll work through the next steps together.
Contact Steve