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  • A Medicare Supplement policy is purchased in addition to Original Medicare (Parts A and B).
  • Medicare Supplement policies cover expenses from services covered by Medicare Parts A or B, such as copayments, coinsurance and deductibles.
  • Medicare Supplement policies must follow federal and state laws.  Insurance companies may only sell standardized policies which are identified by the letters A – N.
  • You have a one-time six month Medicare Supplement Open Enrollment Period which starts the first month you are enrolled in Medicare Part B.  During this period you are guaranteed issue of a Medicare Supplement policy regardless of your health status.
  • Medicare Supplement policies’ costs may vary and will increase as you get older.
  •  A Medicare Part D plan (PDP) must be purchased separately since drug coverage is not offered with any Medicare Supplement policy.