Skip navigation links
Life Stages
Financial Topics
Buying a Home
College Planning
Creating a Business
Disability Income Insurance
Health Insurance
Investing for Your Future
Life Insurance
Long-Term Care Insurance
Managing Debt
Medicare Supplement Insurance
Planning an Estate
Refinancing Your Home
Saving for Retirement
Why Plan?
Why Get Help?
Your Financial Road Map

Medicare Supplement Insurance (Medigap)
If you rely on the original Medicare plan for your healthcare coverage, Medicare Supplemental Insurance (Medigap) may benefit you by helping to cover "gaps" left by the original program.

What is Medigap?
A Medigap policy is a health insurance policy sold by private insurance companies to fill the gaps left by the original Medicare plan. It can help you pay some health care costs that the original Medicare plan doesn’t cover.

Who can benefit from Medigap insurance?
If you are in the original Medicare plan and have a Medigap policy, then Medicare will pay its share and your Medigap policy will pay its share of your health care costs.

How does Medigap insurance work?
Currently, there are 10 standardized Medigap plans called A through J. Medigap policies must follow federal and state laws, which were designed to protect you. The front of a Medigap policy must clearly identify it as Medicare Supplement Insurance.

Each plan, A through J, has a different set of benefits. Plan A covers only the basic (core) benefits. These basic benefits are included in all the Medicare plans (A through J). Medigap Plans B through J offer extra benefits. Plan J offers the most benefits.

Generally, when you purchase a Medigap policy you must have Medicare Part A and Part B.

How to purchase Medicare Supplement Insurance
Product availability varies by state, so check with a Modern Woodmen representative.