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A Medigap or Medicare Supplement policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage.
Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover.

If you are in the Original Medicare Plan and have a Medigap or Medicare Supplement insurance policy, then Medicare and your Insurance will pay both their shares of covered health care costs.



Insurance companies can only sell you a “standardized” Medigap policy. These policies must all have specific benefits so you can compare them easily.

It’s important to compare Medigap policies because costs can vary.
The benefits in any Medigap Plan A through L are the same for any insurance company. Each insurance company decides which Medigap policies it wants to sell.

Medicare Supplement plans are a good option for those who desire the freedom to choose any provider Nationwide but usually come with a much higher monthly premium than with other types of Medicare Plans.

Medicare Supplement plans are designed to provide health coverage only. If you purchase a Medicare Supplement Plan you will need to enroll in a seperate Part D plan if you need prescription drug coverage.

With California Medicare Supplement Plans, rates can be substantially different. Since there are variables in rates depending on your specific situation you will need to receive a personalized qoute. The links below are general guides from Medicare (CMS) and the California Insurance Department. 

   2010 Official Guide To Choosing A Medigap Policy

 Click Here For A Personalized Plan Comparison