Supplement Insurance policies are also known as Medigap policies.

The Original Medicare (Part A and Part B) program pays for many, but not all, health care services and supplies. Medicare Supplement Insurance policies, sold by private companies, can help pay some of the health care costs that the Original Medicare program doesn’t cover, such as copayments, coinsurance, and deductibles.

For people who have Original Medicare and purchase a Medicare Supplement policy, Medicare will pay its share of the cost of what they approve for covered health care services. Then, the Medicare Supplement policy will pay its share of the approved covered health care services. People pay premiums for their Medicare Supplement directly to the insurance company providing the coverage.