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What Is a Medicare Supplement SELECT Plan?

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By Daniel Petkevich
Apr 25, 2023

Is a Medicare Supplement SELECT Plan Right For You?

Enrolling in


is the initial step towards safeguarding your health and financial well-being. But, it's important to remember that Original Medicare may not cover all of your healthcare expenses, potentially leaving you with coverage gaps that could lead to unexpected out-of-pocket costs.

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Fortunately, Medicare Supplement plans, as the name suggests, are designed to supplement Original Medicare and help cover those additional expenses.
But what is a Medicare Supplement SELECT plan?
Let's find out and help you determine whether it's the right choice for your healthcare needs.

What Is a Medicare Supplement Plan?


Medicare Supplement Plan

, also known as a

Medigap plan

, is a type of health insurance policy designed to supplement Original Medicare. Original Medicare may not cover the full cost of your healthcare services, leaving you responsible for paying deductibles, copays, and coinsurance.
Medicare Supplement Plans are sold by private insurance companies and help fill the "gaps" in Original Medicare. They help cover costs such as:
  • Part A deductible
  • Part A coinsurance or copayment
  • Part B coinsurance or copayment
  • Blood transfusion (first 3 pints)
  • Hospital costs for up to 365 days after Original Medicare coverage
  • Foreign Travel Insurance
  • SNF coinsurance
Medicare Supplement Plans only work alongside Original Medicare (Parts A and B). They cannot be used with

Medicare Advantage Plans

Additionally, you must already be enrolled in Medicare Parts A and B to be eligible for a Medicare Supplement Plan.
One of the benefits of Medigap plans is that they do not have network restrictions, allowing you to receive care from any healthcare provider or hospital that accepts Medicare.
There are ten standardized Medicare Supplement Plans, identified as Plans A, B, C, D, F, G, K, L, M, and N. Each plan offers varying levels of coverage to suit different healthcare needs. Some Medigap plans may also provide added benefits for emergency medical care while traveling outside the United States.

What Is a Medicare Supplement SELECT Plan? How Does It Work?

A Medicare Supplement SELECT Plan, or Medicare SELECT plan, is a type of

Medicare Supplement Plan

that has a lower monthly premium. This means each type of Medicare Supplement Plan has a corresponding Medicare Supplement SELECT Plan with a lower monthly premium.
However, it has network limitations, so you must use specific doctors, hospitals, and other healthcare providers in the plan's network to receive full coverage benefits (except in an emergency). You may be responsible for some or all associated costs if you receive care from a healthcare provider outside the network.
In addition, you may also need a referral from your

primary care physician

to consult a specialist.
For example, Medicare Supplement SELECT Plan G covers the same out-of-pocket costs as Medicare Supplement Plan G but comes with network restrictions and may require referrals.

Are Medicare Supplement SELECT Plans Available Everywhere?

The Medicare SELECT option can be available in any of the ten standardized Medigap plans. However, not all insurance companies offer all these SELECT plans. In addition, their availability may also vary depending on the region you reside in.
Suppose you're interested in a Medicare SELECT plan. In that case, you'll need to check if it's available in your state and if the insurance company offering it has a network of healthcare providers you are comfortable using. You can use Medicare's online tool (

Find a Medigap Policy

) to search for available Medicare SELECT plans in your area.

Which Is Better: Supplement Plan or Supplement SELECT Plan?

When it comes to insurance, whether it's health insurance or any other type of insurance, it's important to recognize that there is no single policy that can meet the needs of every individual.
If you're looking to reduce your out-of-pocket expenses, both Medicare Supplement Plans and Medicare Supplement SELECT plans offer the same degree of coverage (when you compare the same type of plan).
For example, as discussed earlier, Medicare Supplement Plan G and Medicare Supplement SELECT Plan G offer the same coverage for out-of-pocket expenses.
However, when choosing between these plans, it's important to consider the pros and cons of each one. Each plan has its own advantages and disadvantages, and what works for one person may not work for another.
Let's compare the pros and cons of these plans so that you can choose the plan that best fits your specific needs and preferences.

Pros and Cons of Medicare Supplement Plan G and Medicare Supplement SELECT Plan G

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Medicare Supplement Plan VS Medicare Supplement SELECT plan

Are Medicare Supplement SELECT and Medicare Advantage Plans the Same?

Many Medicare beneficiaries often get confused between a Medicare Supplement SELECT plan and a

Medicare Advantage Plan

. Although both may have network restrictions and may be available only in some specific areas, they are not the same.
Medicare Supplement SELECT plans differ from a Medicare Advantage Plan in the following ways**:**
  • Medicare SELECT Plans work together with Original Medicare and help cover your out-of-pocket costs left after Medicare coverage. On the other hand, Medicare Advantage Plans are an alternative to Original Medicare.
  • Some Medicare Advantage Plans may cover your Part D prescription drugs, but Medicare Supplement SELECT plans don't cover prescription drugs. If you're enrolled in a Medicare Supplement SELECT plan, you must enroll in a separate Part D plan to cover your prescription drugs.
  • Medicare Supplement SELECT plans do not cover






    , while some Medicare Advantage Plans may cover these additional services. However, depending on the Medigap company, you may get additional wellness coverage, such as fitness/gym membership benefits.
  • Medicare Supplement SELECT plans help cover your deductibles, copays and coinsurance. On the other hand, Medicare Advantage plans can require you to pay deductibles, copays and coinsurances.

Do You Need a Medicare SELECT Plan?

Medicare Supplement SELECT or Medicare SELECT Plans help cover the coverage gaps of Original Medicare, just like a

Medicare Supplement Plan.

Whether or not you need a Medicare SELECT plan depends on your healthcare needs and preferences. While it may offer more limited provider networks, a SELECT plan may be a good option for those who want lower premiums and are comfortable receiving care from a designated network of healthcare providers. It's essential to carefully consider the benefits and limitations of SELECT plans and compare them to other Medicare options to make an informed decision that best meets your healthcare needs.
If you're struggling to find a Medicare plan that is right for you, our advisors at

Fair Square Medicare

can help you. Call us at 1-888-376-2028 to better understand the various Medicare plans and to make an informed decision that aligns with your healthcare requirements.

Stay Up to Date on Medicare!

Join the Fair Square Medicare Newsletter to stay informed on cost savings, changes to Medicare, and other valuable healthcare information.

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