In Original Medicare, you generally pay some of the costs for approved services. Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private company that helps pay your share of costs.

Step 1 – Decide which plan you want. Medigap policies are standardized, and in most states are named by letters, Plans A-N. Compare the benefits each plan helps pay for and choose a plan that covers what you need.

Step 2 – Pick your policy – Find policies in your area. Price is the only difference between policies with the same letter sold by different companies.

Step 3 – Contact the company or your Medicare Agent. Get an official quote. Prices can change at any time based on when you buy, your health conditions, and more. When you’re ready to buy a policy or your Medicare Agent.

A Medigap policy helps lower your share of costs for approved Part A and Part B services when you have Original Medicare. If you want drug coverage, you can join a Drug Plan (Part D) in addition to buying a Medigap policy.