If you’re new to Medicare, start adding up what co-insurance, co-payments and deductibles could cost in just a single year. That $1,132 Part A deductible on hospital care doesn’t even apply to a whole year. It’s tied to a benefit period, which ends as soon as you have not received care from a hospital or nursing facility for 60 consecutive days.
That’s why many people are turning to Medicare Supplement Insurance that fills the gaps in Medicare’s benefits. When Medicare pays for 80 percent of doctor bills, Medigap coverage takes care of the rest of the doctor bills. If a doctor charges in excess of Medicare’s pre-determined rate, Medicare Supplement Plans can pay for whatever Medicare fails to cover.
Complete coverage is available for hospital care, too. Medigap Insurance can reimburse for Medicare’s Part A deductible and handle co-insurance charges for care beyond 60 days. The best Medigap Insurance has coverage for an additional 365 days after Medicare’s benefits stop.
Medicare Supplement Plans are available in ten different combinations of benefits. That makes it easier to hand pick the coverage that fits individual situations. You can see which Medigap plans will work for you right here on our website.

Wiley Long is founder and president of Medigap Advisors, and is passionate about helping people navigate the confusing waters of Medicare. He is the author of The Medicare Playbook: Designing Your Successful Health Coverage Strategy, a clear and simple explanation so you can make the most of your Medicare coverage.