Understanding the Importance of Medicare Supplement Insurance

Navigating the world of healthcare coverage can be challenging, especially as we age. Medicare provides a foundational level of health insurance for individuals over 65 but doesn’t cover everything. That’s where Medicare Supplement Insurance, also known as Medigap, comes in. This article will explore why Medicare Supplement Insurance is crucial to comprehensive healthcare planning.

What is Medicare Supplement Insurance?

Medicare Supplement Insurance is a type of health insurance policy offered by private companies to complement your Original Medicare (Part A and Part B) coverage. It helps pay some healthcare costs that Original Medicare doesn’t cover, such as copayments, coinsurance, and deductibles.

The Gaps in Original Medicare:

Original Medicare offers broad coverage, but it doesn’t cover everything. With additional coverage, individuals may avoid significant out-of-pocket expenses. Some of the critical areas where Original Medicare falls short include:

– Deductibles and Coinsurance: Medicare requires deductibles and typically covers only 80% of approved medical expenses.
– Foreign Travel Emergency Coverage: Original Medicare offers limited coverage for healthcare services outside the U.S.
– Excess Charges: Sometimes, healthcare providers can charge more than the Medicare-approved amount.

Benefits of Medicare Supplement Insurance:

1. Financial Security: Medigap policies help manage and predict out-of-pocket expenses.
2. Flexibility and Freedom: With a Medigap policy, you can choose any doctor or hospital that accepts Medicare without needing referrals.
3. Coverage During Travel: Some Medigap plans offer coverage for emergency healthcare services when traveling abroad.
4. Standardized Plans: Medigap policies are standardized, making comparing and choosing the right plan for your needs easier.

Choosing the Right Medicare Supplement Plan:

Choosing a Medicare Supplement plan that aligns with your healthcare needs and financial situation is essential. In West Virginia, as in most states, several Medigap plans are available. Each plan offers different levels of coverage and has its own set of benefits.

When to Enroll in Medicare Supplement Insurance:

The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This period begins on the first day of the month when you’re both 65 or older, enrolled in Medicare Part B, and lasts six months. During this period, you have a guaranteed right to buy any Medigap policy sold in your state, regardless of your health status.


Medicare Supplement Insurance is vital for ensuring complete health coverage in your senior years. It offers peace of mind by covering additional costs that Original Medicare does not. Considering your health insurance options, weighing the benefits of a Medigap policy in your overall healthcare strategy is essential.

Contact Us:

If you’re considering Medicare Supplement Insurance, Songer Benefits in Beckley, West Virginia, is here to help. Our team of experienced insurance professionals can guide you through the selection process, ensuring you find a plan that meets your needs. Contact us today to learn how we can assist you with your Medicare Supplement Insurance needs.