Medicare Supplement Policy (Medigap)

Medicare supplement (aka Medigap) policies are sold by private insurance companies. Supplement policies help pay some health care costs that Original Medicare (Medicare Parts A & B) does not cover such as copayments, coinsurance, and deductibles. Here is a link to the 2022 Medicare Supplement Plans Chart.

There are several Supplement/Medigap policies available, Plans A – N. You can use the free tool on the North Carolina Department of Insurance website to view many of the plans available in North Carolina.

Who is eligible?

Medicare Supplement policy are only sold to individuals who have active Medicare Parts A and Part B.

It is important to understand the rules when you are newly eligible for Medicare, which is during your initial enrollment period (IEP).

When to enroll?

Unlike changing a Part C or Part D plan, enrolling or changing a supplement policy is not subject to the annual enrollment period. However, there are factors and rules to consider before making any change.  Seek professional advice.


Medicare enrollees should NOT enroll in a supplement policy AND a Medicare Advantage plan.