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Medicare Supplement plans (Medigap) help fill in the gaps on what Original Medicare doesn’t cover and is sold by private insurance companies. A Medicare Supplement plan can help pay for the remaining health care costs which can include deductibles, copayments, and coinsurance. Medicare Supplement plans offer the most flexibility on which doctors you can see (especially if you travel) and do not require a referral to a specialist.
Medicare Part D coverage is not included in a Medicare Supplement plan so you will need to purchase a separate prescription drug plan.