Medicare Supplemental policies are sold by private companies and are not the same as Medicare Advantage policies.

Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medicare supplemental policy, here's what happens:

• Medicare will pay its share of the Medicare-approved amount for covered health care costs.
• Then, your Medigap policy pays its share.

Here is what you should know about a Medicare Supplemental policy

1. You must already have Medicare Part A and Part B.
2. You pay the private insurance company a monthly premium for your Medicare Supplemental policy. This premium is in addition to the monthly Part B premium that you pay to Medicare.
3. Medicare Supplemental policies are guaranteed renewable even if you have health problems. This means the insurance company can't cancel your policy as long as you pay the premium.

If you are approaching 65 years old or you are over 65 years old and would like to understand how a Medicare Supplemental plan can benefit you, please contact us for more information. Our team will answer your questions and help you find a plan. Our consultation is free.