Secondary Insurance
Medicare supplements (Medigap or secondary) insurance plans are available in a standard format based on alphabet letters. The Plan Letter = Benefits (All Plan Gs, for example, regardless of the company offering the plan, have exactly the same base Medicare benefits.) Premiums vary WIDELY and are set by each individual company.
Premiums are paid monthly ON TOP OF your Part B premium. You pay monthly premiums whether or not you use the coverage. With Original Medicare and a Medigap plan, your care is self-directed. No referrals are required. Your supplement will generally be accepted anywhere Original Medicare is accepted. There generally is no defined or restricted network of doctors or facilities.