A supplement policy allows you to customize your insurance plan to your exact needs while covering more out-of-pocket expenses. Many people find that even with Original Medicare, the copays, coinsurance, and deductibles can be very high. A supplemental plan like Medigap can help protect you against unexpected medical bills. After your Medicare insurance pays their portion, your Medicare Supplement policy will pay their part, often the remaining costs.

Another welcome advantage to Medicare Supplement insurance is that there is no required network, unlike most Medicare Advantage plans. This means that you have the freedom to see any physician that accepts Medicare even if you are traveling far from home.

Keep in mind that Medicare Advantage and Medicare Supplements are two different types of insurance, and you cannot enroll in both. While an Advantage Plan is bundled and makes one plan out of many parts, it is still not necessarily complete coverage. One way to maximize coverage, customize your plan, and be seen by any doctor regardless of the network is with Medicare Supplement Insurance.