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    • Individual
      • Health Insurance
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      • Group Health Insurance
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    • Medicare
      • What is Medicare?
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      • Announcements
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      • Individual Dental
      • Group Dental
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      • Individual Vision
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Mel B's Medicare & Insurance Solutions
  • Home
  • Individual
    • Health Insurance
    • Life Insurance
  • Group
    • Group Health Insurance
    • Group Life Insurance
    • Added Group Benefits
  • Medicare
    • What is Medicare?
    • Medicare Advantage
    • Medicare Supplemental
    • Prescription Drug Plans
    • Announcements
  • Dental
    • Individual Dental
    • Group Dental
  • Vision
    • Individual Vision
    • Group Vision

What is a medicare supplemental plan?

A Medicare supplemental plan, also known as Medigap, is a private insurance policy that can help cover the gaps in coverage left by Original Medicare, such as deductibles, coinsurance, and copayments. Medigap plans are designed to work alongside Original Medicare and cannot be used as stand-alone coverage.

Do you have your prescription drug plan in place?

Medicare supplemental plans, also known as Medigap, do not include prescription drug coverage. Therefore, if you want prescription drug coverage, you need to enroll in a stand-alone Medicare Part D plan.


Even if you don't currently take prescription drugs, it's important to consider enrolling in a Part D plan when you first become eligible for Medicare. If you don't enroll in a Part D plan when you're first eligible, you may have to pay a penalty if you decide to enroll later.

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General open enrollment

We’re currently in the General Open Enrollment Period for Medicare, which runs from January 1st to March 31st. During this time, you can make changes to your Medicare coverage, switch from Original Medicare to a Medicare Advantage plan, or switch your Medicare Advantage plan. This period is available for anyone eligible for Medicare who wants to update their coverage for the upcoming year.