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Medicare Supplements

Professional, Experienced and Informed.

Equity Health & Life is ready to answer your questions.  Contact us today for a comprehensive review of your Health care needs.

How do Medicare Supplements Work?

To help pay your share of out-of-pocket costs in Original Medicare you can buy extra insurance from a private health insurance company called Medicare Supplemental Insurance (Medigap).

To buy a Medigap policy, generally you must have Original Medicare Part A (Hospital Insurance) and Part B (Medical Insurance).

A Medicare Advantage Plan (Part C) is different from a Medigap policy.  Besides Original Medicare, a Medicare Advantage Plan is another way to get you Medicare coverage.  A Medigap policy is basically a supplement to Original Medicare coverage.

Generally, Medigap plans help cover your share of costs for services that are covered by Original Medicare (Part A and Part B).  Each plan offers different benefits.   Not all plans are offered in every state. 

Medigap policies cover some of the out-of-pocket costs associated with Original Medicare, like:  (Copayments,

Coinsurance, and Deductibles).   

Medigap plans generally don’t cover:

  • Long-term care (like non-skilled care you get in a nursing home)

  • Private-duty nursing

  • Eyeglasses  

  • Vision or dental care 

  • Hearing aids 

Generally, Medicare will pay its share of the Medicare-approved amount for covered health care costs if you have a Medigap policy and get care.


Generally, Medigap will then help pay your doctor the amount you owe under your policy.  You may be responsible for remaining costs.         

Generally, you can’t buy a Medigap policy if you have a Medicare advantage Plan.

You can enroll in a separate Medicare drug plan (Part D) if you want prescription drug coverage. 

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