En español | Medicare supplemental insurance (Medigap) is private insurance you can choose to buy to cover some or most of your out-of-pocket expenses in the original Medicare program, depending on the policy you select. In most states, 10 policies are available — labeled A, B, C, D, F, G, K, L, M and N — each with a different set of benefits. (Different policies are sold in Massachusetts, Minnesota and Wisconsin.)
You can easily compare the benefits of each Medigap policy by going to https://www.medicare.gov/find-a-plan/questions/medigap-home.aspx on Medicare’s website and entering your zip code. When you’ve decided on the policy that suits you best, click on the “View companies…” link to find contact information for the insurance companies that sell that policy in your area. Note that each policy of the same letter has the same set of benefits that is standardized in law, regardless of the insurance company that sells it, but companies still charge widely varying premiums. So you need to call a few to ask for a premium quote.
You can also find contact information for these companies by calling Medicare at 800-633-4227. Or call your state department of insurance, which regulates Medigap insurance in your state; for its phone number, go to http://www.naic.org/state_web_map.htm and select your state.