By law, companies can only offer 10 standardized Medigap policies known as A-N. The plans are A, B, C, D, F, G, K, L, M, and N. The plans previously labeled E, H, I, and J are no longer sold. An insurance company does not have to carry all ten plans. Some may only carry a few, while others may offer all ten.
You only need one policy. Each policy builds on the previous one. Plan D includes all the coverage options offered by A, B, and C, plus additional options under Plan D. Plan E, provides everything Plan D does, plus additional coverage, and so on. It is illegal for an insurance company to sell you more than one plan.
Medicare Supplements are not part of Medicare or any other federal insurance program. They are policies sold by private insurance companies. It is illegal for an insurance agent to make such claims.
If you are in a Medicare Advantage plan, it is illegal for an insurance company to sell you a Medigap unless the coverage on the Medicare Advantage plan will run out before the coverage on the Medigap will begin.
No. A Medigap supplements your Original Medicare coverage. Medicare pays its normal share of healthcare costs, and then the Medigap coverage kicks in and pays its share.
Some Medigap policies sold in the past cover prescription drugs, but Medigap policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a 
Any standardized Medigap policy is guaranteed renewable, even if you have health problems. This means the insurance company cannot cancel your Medigap policy as long as you pay the premium.
Hospice care is not covered by Medicare Advantage. Original Medicare Part A pays for hospice care even when you get your benefits through a private Medicare Advantage plan.
Every Medicare Advantage plan has a service area. This is a geographic area where the plan is available and offers coverage. A service area is usually a county, state or region. You must live in a plan’s service area in order to join it.
Yes. If you have limited income and assets, you may qualify for assistance with medical costs you receive under Medicare. You should contact Social Security at 1-800-772-1213 to see if you qualify.
Yes. Missing your Enrollment Period can be costly.