A Medicare Supplement (Medigap) policy is always sold by private companies, and is designed to help pay some or all of the deductibles, and co-insurances that Original Medicare doesn't cover.
If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Your Medigap policy pays its share.
A Medigap policy is very different from a Medicare Advantage Plan. Medigap policies keep original Medicare in the first position of authority, meaning it determines if the treatment or service is deemed "medically necessary". Once that is established, Medicare pays it's portion of the claim first, the Supplement then comes behind to "fill in the gaps" of Original Medicare and pays second.
What you need to know about Medicare Supplement policies
Information obtained from www.medicare.gov
By contacting the phone number on this website you will be directed to a licensed agent. (602) 758-8998