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Medicare supplement or "medigap" plans are for people over the age of 65. There are some circumstances when a person under age 65 may be eligible.

To be eligible for any plan you must be signed up for Medicare parts A and B.

Medigap plan designs are mandated by the US government and are the same for each company.  However, they are not all priced the same.

A Medicare Advantage plan is also available to qualified beneficiaries of Medicare.  An Advantage plan is usually less expensive than a medigap plan (or there may be no cost all) and can be either a PPO or HMO type plan.

The purpose of owning a plan is to fill in the gap (uncovered medical expenses) that Medicare does not cover if one has an illness or is hospitalized.

Medicap and Medicare Advantage plans are distinctive and it is strongly advised that you check with a qualified “medicare approved” agent before selecting a plan.