You are still part of Medicare: You must have Medicare Part A & B in order to apply for a Supplement Plan.

Fills the gaps in Medicare: Supplement plans are specifically designed to pay some or all of the deductibles, co-pays, coinsurance, and excess fees that Medicare does not cover.

Plans are standardized: The benefits from plan to plan are the same from every insurance company. This means that the benefits that plan F provides will be the same no matter which insurance company you choose.

Prices will vary: Plan premiums for new applicants are based on your age, sex, tobacco use, and location. It is important to shop the market for the lowest premiums for you, especially since each insurance company is providing the same benefits.

Individual coverage: Medigap Policies only cover one person so if you and your spouse are both looking for coverage you will have to buy two separate policies.

Guaranteed renewable: Medicare Supplements are guaranteed renewable, which means an insurance company can never cancel your plan due to health conditions as long as you pay your plan premiums.

No networks: With Original Medicare and Medicare Supplement Plans there are no networks. This means you can use any doctor or hospital in the country that accepts Medicare.

No referrals needed: Medicare supplement plans do not require a referral to see a specialist. It is your choice to see any specialist in the country who accepts Medicare.

Drug coverage is separate: Medigap policies sold after January 1st 2006 are no longer allowed to provide drug coverage, so if you would like drug coverage you will have to purchase a Part D prescription drug plan separately.

Note: Plan availability varies based by Insurance company and location.

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