Medicare Insurance

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Original Medicare Plan

The Original Medicare plan is run by the federal government. It is a traditional pay-per-visit health plan that lets you go to any doctor, hospital, or other health care provider who accepts Medicare. You pay the deductible. Medicare pays its share of the Medicare-approved amount, and you pay your share. The Original Medicare Plan has two parts: Part A (Hospital Insurance) and Part B (Medical Insurance).

  • Part A (Medicare)
    Hospital insurance that covers hospice care, home health care, skilled nursing facilities, and inpatient hospital stays.

  • Part B (Medicare)
    Medical insurance that helps pay for doctors' services, outpatient hospital care, durable medical equipment, and some medical services that are not covered by Part A.
  • Cost
    You pay the $43.80 Part B premium, the Part A and Part B deductibles, and the coinsurance.

Supplemental Insurance

There are many types of private health insurance/coverage that you can buy to supplement, or fill the gaps, in your Medicare coverage. This supplemental insurance will pay for some or all of your health care costs that are not covered by Medicare. These types of private health insurance/coverage include:

  • Employee or Retiree Coverage
    (from your employer or union)

  • Medigap Insurance
    (from a private company or group).

People often refer to all of these types of private health insurance/coverage as "supplemental insurance." However, "Medicare Supplemental" or "Medigap" insurance is a specific type of private insurance that is subject to Federal and State laws.


Medicare supplemental insurance policies that are sold by private insurance companies to Medicare beneficiaries to fill the "gaps" in Original Medicare Plan coverage. There are ten standardized policies, labeled Plan A through Plan J. Your State decides which of the 10 policies can be sold in your State. Medigap policies only work with the Original Medicare Plan.

Medicare SELECT

A type of Medigap policy that must meet all of the requirements that apply to a standard Medigap policy. You may be required to use doctors and hospitals within its network in order to be eligible for full benefits.

Medicare Supplement Specialist