Medicare Supplement Insurance Basics

When you sign up for Medicare, you have a choice between

  • Original Medicare and
  • Medicare Advantage

If you choose Original Medicare you may also want to consider purchasing a Medicare Supplement plan (also known as Medigap).

What is Medicare Supplement, or Medigap Insurance?

  • Medigap insurance helps pay your out of pocket costs for services covered by Original Medicare.
  • Medigap insurance is regulated by the states (Medicare and Medicare Advantage are regulated by the federal government).

When and How Can I Buy a Medicare Supplement Policy?

  • It's best to buy a Medicare Supplement policy in the six month window after Part B of your Original Medicare goes into effect, though you may be able to purchase or switch plans at other times, as well.

Contact us with any questions you may have, or to discuss a complaint at: (207)-624-8475 or (800) 300-5000; at Maine Relay 711 (for the hard of hearing); or at Insurance.PFR@maine.gov.

Find more resources at the National Association of Insurance Commissioners INSURE U