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Supplemental insurance is advisable for those with Medicare to help cover out-of-pocket costs and gaps in coverage, offering financial protection for deductibles, coinsurance, and other medical expenses not fully covered by Medicare.
Original Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) pay for many, but not all, healthcare services and supplies. Medicare Supplement insurance plans help pay your share of some of the healthcare costs that Original Medicare doesnt cover, like copayments, coinsurance and deductibles.
There are 10 different types of Medigap plans offered in most states, which are named by letters: A-D, F, G, and K-N. Price is the only difference between plans with the same letter that are sold by different insurance companies.
Premiums: Medigap premiums can be pricey. Coverage: Medicare Supplement plans dont cover everything, so youd still have to pay out of pocket for things like dental care, vision care and long-term care.
Original Medicare pays for many, but not all, health care services and supplies. 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 in Original Medicare, like copayments, coinsurance, and deductibles.
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For most people, the best Medicare Supplement option is Medigap Plan G from AARP/UnitedHealthcare, which costs $157, on average. This plan covers nearly all of the costs that youre responsible for paying with Original Medicare.

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