Medicare Supplement

A Medigap policy is private health insurance that helps supplement Original Medicare.

This means it helps pay some of the health care costs that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles). These are “gaps” in Medicare coverage. If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs, then your Medigap policy pays its share. 

All Medigap policies must follow federal and state laws designed to protect you.  Medigap insurance companies like Liberty Bankers Life Insurance Company can only sell you a “standardized” Medigap policy identified by letters A through N (in most states.)  Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it. Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies.


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