Medicare Supplements

Medicare Supplement plans are also known as Medigap and are provided by private insurers that have been approved by Medicare. Medicare Supplement plans do not replace Original Medicare (Parts A and B) but rather serve as supplemental insurance as they reduce the out-of-pocket costs left behind from Original Medicare.

These out-of-pocket costs include copayments, deductibles, and coinsurance.

Eligibility and Enrollment

You can become eligible for Medicare Supplements after enrolling for Original Medicare during the Initial Enrollment Period. You will then have a six-month period known as the Medigap Open Enrollment Period to enroll in a Medigap plan. During this period, you cannot be denied coverage or charged more for premiums. If you choose to delay enrollment, the insurance company may reject your application for reasons that could be based on your health.  

Alternatively, you can contact the insurer directly, either online or on the phone, to purchase a plan.

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What Does it Cover?

There are ten Medigap plans, and they are labeled as:

  • Plan A
  • Plan B
  • Plan C
  • Plan D
  • Plan F
  • Plan G
  • Plan K
  • Plan L
  • Plan M
  • Plan N

Each plan provides its own coverage, which can include coverage for coinsurance, hospital costs, deductibles, excess charges, and more. However, the plans are standardized. This means that no matter where or who the plan is purchased from, the coverage stays the same.

It is important for new Medicare enrollees to know that Plans C and F are no longer available to those who became eligible for Medicare after January 1, 2020. However, there are other alternatives to these plans, such as Plans G or N.


Though all Supplement plans provide the same basic benefits, the cost of each plan depends on the insurance company. Insurance companies have three ways of determining the cost of Medigap plans:

  • Issue-Age-Rated: The Medigap premium and associated costs are determined by the enrollee’s age when they enrolled for the Supplement plan. Younger enrollees will pay less than older enrollees, though the plan’s cost might increase due to inflation. 
  • Community-Rated: The premium is the same for all beneficiaries. 
  • Attained-Age-Rated: The cost of the Medigap plan increases with age. Younger enrollees will pay less, though the price will increase as they get older.

If you have out-of-pocket costs that you need assistance with paying for while enrolled in Original Medicare, Medigap can serve as a great solution. Contact us today for more information about the Medigap Plans available to you in Nebraska.