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What is Medicare Supplement insurance?

Medicare supplement insurance, or Medigap as it is commonly referred to, is available through private insurers for those enrollees of the Original Medicare plan to fill the coverage ‘gaps’ in Parts A and B. Basically, Medigap insurance will reimburse you for the out-of-pocket costs you incur that are not covered under Medicare. Medigap insurance is completely optional.

If you’re lucky and your employer or union is continuing to cover your health benefits when you retire, you won’t need supplemental health insurance of any type. However, it’s important to stay educated, especially in today’s economy, because you never know when your old employer may discontinue retirement benefits.