We make it simple for California seniors to find and compare the best Medicare supplemental insurance plan brochures, rates a ... nd applications. A Medicare supplemental insurance plan (also called “Medigap”) is private health insurance designed to supplement original Medicare. This means it helps pay some of the health care costs (“gaps”) that original Medicare doesn’t cover (such as co-payments, co-insurance and deductibles). Medicare supplemental insurance plans may also cover certain things that Medicare doesn’t. If you are in original Medicare and you have a Medicare supplemental insurance plan, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medicare supplemental insurance plan pays its share. Every Medicare supplemental insurance plan must follow federal and state laws designed to protect you. Medicare supplemental plan insurance companies can only sell you a “modernized” Medicare supplemental insurance plan identified by letters A through N. Each modernized Medicare supplemental insurance plan must offer the same basic benefits, no matter which insurance company sells it. Cost is usually the only difference between Medicare supplemental insurance plans sold by different insurance companies. read more