If you visit the hospital or doctor regularly, you may not have enough coverage with Original Medicare (Part A and Part B). Adding Medicare Supplement coverage or Medigap insurance will help fill in the “gaps” left by basic Medicare coverage, such as coinsurance, co-payments, and deductibles.
When you choose a Medicare Supplement insurance plan, you’ll choose from different levels with basic benefits for each. While some of the benefits may be different from one plan to another, the same standardized basic benefits will be found across most locations and insurance companies.
Each Medigap plan has been assigned a letter from A to N. The same letter plan in one state will be the same coverage in another. For example, the Medicare Supplement Plan F in Florida will provide the same basic benefits as the Medicare Supplement Plan F in Texas.
However, those living in Minnesota, Wisconsin, or Massachusetts will have different Medicare Supplement insurance plans compared to the rest of the country.