Medicare Supplement (or Medigap) insurance plans are private insurance purchased to pay the out-of-pocket costs required under Original Medicare. These gaps in coverage include a sizeable Part A deductible that could be your responsibility several times per year (depending on the circumstances), as well as coinsurance, copayments, and excess charges. These can add up to thousands of dollars a year in the event of a serious illness, injury, or chronic condition.
Because Medicare Supplement plans work with Original Medicare, you’re free to use the doctors, hospitals, and other health care providers you prefer and are not required to seek permission from a primary care physician to seek another healthcare provider’s care. Likewise, your coverage follows you anywhere in the United States.