What Is The Best Secondary Insurance With Medicare? 
To supplement Medicare it 's best to have a Medicare Supplement Plan . These are standardized plans in most states . The highest level of coverage is the Plan F Medicare Supplement . It pays 100 % of the co-pays and deductibles for Medicare covered treatments . The others to consider are Plan G which is the same as Plan F except you pay your Medicare Part B deductible which is less than $ 150 per year currently . You will often save $ 200 to $ 300 annually on your premiums choosing a plan G supplement over a Plan F . You can also consider the Medicare Plan N Supplement for an even lower premium but you will take on more doctor co-pays and a few less benefits . There is a high deductible version of Plan F where you have a much lower premium but you pay the first $ 2,070 in expenses each year but are covered 100 % for costs above that . Medicare and your supplement do not cover prescription medicines so most people buy a Medicare Part D plan for those . None of these plans cover dental or eye doctors so some people buy additional coverage for those . All companies sell the exact same standardized Medicare Supplement Plans so it is the easiest type of insurance to shop and compare and lower your cost . A Plan F with one company may be as much as $ 500 per year cheaper with a different company and the coverage is exactly the same . It 's best to use an insurance broker who sells for many companies rather than sign up directly through one specific company . When there is a rate increase -LRB- they ALL have them -RRB- your broker can just re-shop the plans for you and help you get back to a lower premium . 