Yes. You keep your Part A and B coverage with Original Medicare. Your Medicare Supplement Insurance plan helps pay out-of-pocket costs for covered medical services.

Medicare Supplement Insurance helps pay out-of-pocket costs not paid by Original Medicare (Parts A and B), like your Part A deductibles and co-insurance. Typically, plans with higher premiums may have lower out-of-pocket costs when you receive care for Part A and Part B covered services. With some plans, you may have a deductible you must meet before the plan begins to pay for covered Medicare costs.

Medicare Supplement plans don’t typically cover prescription drugs, dental, vision, or hearing.

There are no network restrictions with a Medicare Supplement Insurance plan. You may visit any doctor or hospital that accepts Medicare. You can see specialists without referrals. 

The cost of your premium depends on the plan you choose. Your age, location, sex, and other items may be a factor as well. You must continue to pay your Original Medicare Part B premium as well.

Medicare Supplement insurance plans are sold year-round. You can apply to buy a Medicare Supplement insurance plan any time after you join Medicare Part B. There is no need for a special enrollment period. In many cases, pricing will be more favorable if you purchase a plan during your Medigap Open Enrollment Period. This period lasts 6 months and begins the month you are both 65 and enrolled in Part B. 

You can switch or cancel your Medicare Supplement plan at any time for any reason. In some instances, you may be required to go through underwriting for your new Medicare Supplement Insurance plan if you are outside a guaranteed issue right. 

These plans make your costs more predictable when choosing to receive your Parts A and B coverage through Original Medicare. They are great for people who prefer to pay a higher monthly premium in exchange for lower out-of-pocket costs when they receive care. These plans are also nice for people who want the flexibility to choose any doctor, hospital, or facility they want to use and can afford a higher premium in exchange for this flexibility.