Why do I need a Medicare Supplement or Medigap insurance?
Medicare A & B alone does not cover all of your health care expenses.

Medicare only covers 80% after you pay your deductible. That leaves your deductible plus a minimum of 20 % for you to PAY and you could have excess charges over what Medicare allows.

Medicare Supplement or Medigap plans are identified by the letters A-L and are standardized with all insurance carriers. These plans Do Not include a prescription drug plan.

Medicare advantage (MA or MAPD) plans generally have copays for services and may or may not include a part D drug plan. There are three types of Medicare Advantage plans HMO, PPO and PFFS.

Stand Alone drug plans (PDP) are for prescriptions only. The PDP plans are the result of The Medicare Prescription Drug, Improvement, and Modernization Act of 2003, a federal law that brought the most dramatic changes to the Medicare program since it began in 1965.