Medicare Supplements, also known as Medigap, are insurance policies designed to help cover out-of-pocket costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles. Sold by private companies, these plans offer standardized benefits and allow beneficiaries to see any doctor that accepts Medicare. While Medigap doesn’t include prescription drug coverage, it provides peace of mind by reducing unexpected healthcare expenses and ensuring more predictable costs in retirement.