There are some services that Medicare alone will not cover, so it is always a great idea to have a Medicare supplement or Medigap insurance as well. That way, when it comes time to pay for your health care costs, you get help with your expenses that aren't part of the Medicare-approved amount.

There are many different providers of Medicare supllemental insurance, so be sure to compare offerings before making a final decision. The best way to do this is to review a few different price quotes to make sure you are getting the perfect solution for your needs. This also ensures that you are getting the best price as well. To get started simply enter your zip code in the box above.

• How Can I Compare Medicare Supplement Insurance Quotes?

A Medicare or Medigap insurance quote denotes the rate provided to you by an insurance company for what you might be expected to pay for a particular type of coverage under the federal Medicare program, or additional supplemental coverage under a Medigap plan.

This type of health insurance is for those who are 65 years of age and older, and for younger people who have certain types of disabilities.

Both the Medicare insurance quote and the Medigap insurance quotes you receive will be based on the types of plan you elect to use.

The Medicare Plans that are available and that will affect the quote that you receive will be dependent on the plan you select and the choices which are available including:

• Medicare Parts A and B
• Medicare Part C -Advantage Plans
• Medicare Part D – Prescription Drug Coverage
• Medicare Cost Plans
• Demonstration/Pilot Programs
• Programs of All-inclusive Care for the Elderly (PACE)
• Medicare Medical Savings Account (MSA) Plans
• Other Medicare health plans

A Medigap quote would be an additional quote that you would receive independent of the quote you receive for your Medicare Plan. Medigap is an extra or supplemental form of health insurance and you would receive a quote from a private insurance company for these services.

The quote you receive would be to look after health care costs not covered by Medicare and is also referred to as Medigap (Parts A through N) and addresses the following:

• Co-payments,
• Deductibles, and
• Health care if you travel outside the U.S.
• Other forms of coverage

Obamacare should not affect the cost of Medicare insurance premium quotes you will receive for Medicare and may actually improve the services previously available.

Medicare includes all types of disabilities but individuals who are in a Medicare Advantage Plan or other Medicare plans may incur some restrictions as some services may only be covered in particular settings or for patients with certain conditions.

Some of the services not provided by Medicare include the following:

• Long-term care (also called custodial care)
• Most dental care
• Eye examinations related to prescribing glasses
• Dentures
• Cosmetic surgery
• Acupuncture
• Hearing aids and exams for fitting them
• Routine foot care

Your age does not impact your cost for Medicare but you must be at least 65 years of age or older to qualify for Medicare, or qualify for certain specified medical conditions if you are younger.

However, age can have an impact on the quote you are given for a Medigap plan and generally becomes increasingly more expensive as you as age because this is a supplemental form of coverage separate from Medicare plans.

Quotes for Medicare coverage will be the same in every state as this is a federal sponsored program and certain essential coverage and services are required in all states. However, costs for Medigap plans can vary from state to state.

A Medigap insurance quote may vary and be higher for a variety of reasons including the following:

• Your age as different plans can be more expensive as you age
• The pricing of Medigap policies also differs widely from insurer to insurer
• The type of Medigap policy you obtain can also increase cost because there are 3 types of plans including 1) Community Rate Policies 2) Issue Age Rated Policies, and 3) Attained Age Rated Policies
• Whether you’re insurer offers discounts such as if you are a non-smoker
• The underwriting policies of the individual insurer
• Whether you choose to go with a high deductible option
• If you choose to go with a Medicare Select program