DELAWARE INSURANCE DEPARTMENT

Medicare Supplement Insurance

Medicare Supplement insurance, or "Medigap", is health insurance sold by insurance companies to help fill the "gaps" in the original Medicare fee-for-service program. Medigap insurance policies pay most, if not all of the original Medicare plan coinsurance amounts, and may provide coverage for the original plan deductibles.

Medigap insurance is sold in one of ten standardized policies. The ten plan types must be labeled with the letters A through J.  Some of the ten standard plans pay for services not covered by Medicare, such as out-patient prescription drugs, or emergency medical care while traveling outside the United States.

All standard Medigap policies are guaranteed renewable. This means that the insurance company must allow you to renew your Medigap policy unless you do not pay the premiums.