Final answer:
If you have Medicare A/B and D and still need additional supplemental coverage, you may consider purchasing a Medigap policy. Medigap policies are designed to fill the gaps in coverage left by Original Medicare and can help cover expenses such as deductibles, copayments, and coinsurance.
Step-by-step explanation:
Medicare consists of several parts, including A, B, and D. If you already have Medicare A/B and D and still need additional supplemental coverage, you may consider purchasing a Medigap policy. Medigap policies are sold by private insurance companies and are designed to fill the gaps in coverage left by Original Medicare. These policies can help cover expenses such as deductibles, copayments, and coinsurance.
It's important to note that Medigap policies are only available to individuals who have Medicare Parts A and B. If you have Medicare Advantage (Part C) or a Medicare Cost Plan, you cannot purchase a Medigap policy.
When selecting a Medigap policy, it's important to compare different plans and coverage options. Each Medigap plan is standardized and labeled with a letter (A, B, C, D, F, G, K, L, M, or N). These plans provide different levels of coverage, so it's important to choose one that meets your specific needs.