Fair Square Medicare Wordmark

What Is a Medicare Supplement SELECT Plan?

Cover image

By Daniel Petkevich

Apr 25, 2023

Is a Medicare Supplement SELECT Plan Right For You?

Enrolling in

Medicare

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.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

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?

A

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

  • Part B excess charge

  • 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

Visual asset.

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

    dental

    ,

    vision

    or

    hearing

    , 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.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

Recommended Articles

Doctor physician consulting with male patient in hospital exam room stock photo

Is Gainswave Covered by Medicare?

Dec 6, 2022

plastic surgeons standing over a patient stock image

Does Medicare Cover Cosmetic Surgery?

Nov 28, 2022

Daniel Petkevich demonstrates Medicare coverage by using a scarf and hat as a metaphor

Medicare 101

May 20, 2020

Medigap and Medicare Advantage arrows stock image

Can I switch From Medicare Advantage to Medigap?

Sep 14, 2022

a doctor tells her patient she doesn't accept medicare. the patient wonders what to do stock image

What to Do When Your Doctor Doesn't Take Medicare

Feb 24, 2023

Cover image

How Much Does a Medicare Coach Cost?

Mar 20, 2023

An elderly couple discusses their healthcare and insurance needs with another woman stock image

Medicare Guaranteed Issue Rights by State

Feb 10, 2023

various cartoon scenarios showing long term care stock photo

Which Medigap Policies Provide Coverage for Long-Term Care?

Sep 16, 2022

Fair Square

Is Displacement Affecting Your Medicare Coverage?

Oct 6, 2022

Nashville city skyline stock image

14 Best Ways for Seniors to Stay Active in Nashville

Mar 10, 2023

San Diego waterfront stock photo

Top 10 Physical Therapy Clinics in San Diego

Nov 18, 2022

Cover image

10 Top Medicare Supplement (Medigap) Companies for 2025

Jul 14, 2025

senior man on a phone call stock image

What is a Medicare Beneficiary Ombudsman?

Apr 11, 2023

Senior person holding tissue roll near a toilet bowl, using walker to walk to the bathroom stock photo

Does Medicare Cover Oxybutynin?

Dec 2, 2022

senior man receiving dental care stock photo

Will Medicare Cover Dental Implants?

Jun 2, 2022

Doctor showing patient bone anatomy of skeleton of nose and nasal cavity on skull. Preparing for rhinoplasty surgery, correcting deviated nasal septum, localization of rhinitis, sinusitis in nose stock photo

Does Medicare cover Deviated Septum Surgery?

Nov 18, 2022

Senior woman checking blood pressure/heart rate at home stock photo

Does Medicare Cover Home Heart Monitors?

Dec 1, 2022

senior gentleman wearing a suit working on his laptop outside of his office stock photo

How Your Employer Insurance and Medicare Work Together

Sep 27, 2022

More of our articles

13 Best Ways for Seniors to Stay Active in Indianapolis

20 Questions to Ask Your Medicare Agent

2024 Fair Square NPS Report

2025 Medicare Price Changes

Can Doctors Choose Not to Accept Medicare?

Can I Change Medicare Advantage Plans Any Time? | Medicare Plans

Can I Laminate My Medicare Card?

Can Medicare Advantage Plans Deny Coverage for Pre-Existing Conditions?

Can Medicare Help with the Cost of Tyrvaya?

Comparing All Medigap Plans | Chart Updated for 2025

Denied Coverage? What to Do When Your Carrier Says No

Do I Need to Renew My Medicare?

Do Medicare Supplement Plans Cover Dental and Vision?

Does Medicare Cover Boniva?

Does Medicare Cover Breast Implant Removal?

Does Medicare Cover Driving Evaluations?

Does Medicare Cover Exercise Physiology?

Does Medicare Cover Fosamax?

Does Medicare Cover Hearing Aids?

Does Medicare cover Hyoscyamine?

Does Medicare Cover Hypnotherapy?

Does Medicare Cover Ilumya?

Does Medicare Cover Inspire for Sleep Apnea?

Does Medicare Cover Ketamine Infusion for Depression?

Does Medicare Cover Krystexxa?

Does Medicare Cover Kyphoplasty?

Does Medicare Cover Light Therapy for Psoriasis?

Does Medicare Cover Macular Degeneration?

Does Medicare Cover PTNS?

Does Medicare Cover Qutenza?

Does Medicare Cover RSV Vaccines?

Does Medicare Cover Shock Wave Therapy for Plantar Fasciitis?

Does Medicare Cover Stair Lifts?

Does Medicare Cover TENS Units?

Does Medicare Cover the Urolift Procedure?

Does Medicare Cover Tymlos?

Does Medicare Cover Wart Removal?

Does Medicare Pay for Bunion Surgery?

Does Medicare Pay for Funeral Expenses?

Does Retiring at Age 62 Make Me Eligible for Medicare?

Does Your Plan Include A Free Gym Membership?

Explaining IRMAA on Medicare

Explaining the Different Enrollment Periods for Medicare

Fair Square Client Newsletter: AEP Edition

Finding the Best Vision Plans for Seniors

Health Savings Accounts (HSAs) and Medicare

How Are Medicare Star Ratings Determined?

How Can I Get a Replacement Medicare Card?

How Do Medicare Agents Get Paid?

How Much Does Medicare Part A Cost in 2025?

How Much Does Open Heart Surgery Cost with Medicare?

How Much Does Rexulti Cost with Medicare?

How Much Does Xeljanz Cost with Medicare?

How Often Can I Change Medicare Plans?

How to Apply for Medicare?

How to Choose a Medigap Plan

Is Balloon Sinuplasty Covered by Medicare?

Is Fair Square Medicare Legitimate?

Is HIFU Covered by Medicare?

Is the Shingles Vaccine Covered by Medicare?

Medicare & Ozempic

Medicare Supplement Plans for Low-Income Seniors

Turning 65 and Thinking of Keeping COBRA? Here’s Why It Usually Backfires

What Does Medicare Cover for Stroke Patients?

What Happens to Unused Medicare Set-Aside Funds?

What People Don't Realize About Medicare

What to Do When Your Doctor Leaves Your Network

What's the Deal with Flex Cards?

What's the Difference Between HMO and PPO Plans?

When to Choose Medicare Advantage over Medicare Supplement

Why Is Medicare So Confusing?

Will Medicare Cover it?

Your Medicare One-Stop-Shop

Your guide to Medicare Parts A & B, Medicare Advantage, and Medigap. 100% free.

Get the Fair Square Bulletin

Medicare savings tips, helpful guides, and more.

About

Medicare 101

Current Clients

Medicare Supplement Plans

Medicare Advantage Plans

Fair Square 2025

Terms of Use
Notice of Privacy Practices

Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2025 Help Button Inc

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

MULTIPLAN_FairSquareMedicare_01062022_M

Fair Square Medicare

FSM symbol - 50