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Tips on choosing Medicare Supplemental plan

DEAR SAVVY SENIOR: I’m planning to enroll in original Medicare in a few months and have been told I probably need to get a Medicare supplemental policy too. Can you offer any tips on selecting one?

—Almost 65

DEAR ALMOST: If you’re enrolling in original Medicare, getting a supplemental policy (also known as Medigap insurance), too, is a smart idea because it will help pay for things that aren’t covered by Medicare like copayments, coinsurance and the Part A deductible . Here are some tips to help you choose an appropriate plan.

More Savvy Senior: Some tips to help you pick the right Medicare Advantage plan for you

Medigap plans

In all but three states (Massachusetts, Minnesota and Wisconsin), Medigap plans, which are sold by private health insurers, are available to new enrollees in eight different standardized plans. These plans are labeled with the letters A, B, D, G, K, L, M and N, with two more, C and F, that are only available to those eligible for Medicare before 2020.

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