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Medicare supplement insurance (medigap) is extra insurance you can buy from a private insurance company to help pay your share of costs in original medicare. After this period, you may not be able to buy a medigap policy, or it may cost more Generally, you must have original medicare — part a and part b — to buy a medigap policy

Medigap plans sold after 2005 don’t include prescription drug coverage

If you want prescription drug coverage, you can join a separate medicare drug plan (part d). When you compare medigap plans, you’ll see their estimated costs so make sure you contact the insurance company for a more accurate price Compare the costs of medigap plans in your area The cost of your medigap policy may also depend on whether the insurance company:

Find out if you have a right under federal law to switch or drop medigap policies, or check with your state insurance department. Health insurance companies must clearly identify a medigap policy as medicare supplement insurance. your best time to buy a policy is during your medigap open enrollment period Follow these steps when you’re ready to buy a medigap policy:

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