There are several key things to know about Medicare supplemental insurance before you start shopping for a policy.
#1) You must have Medicare Parts A & B.
#2) You will have to pay a monthly premium to the chosen insurance company for your policy.
#3) Your supplement or gap policy will only cover you, not your spouse. He or she will need to purchase their own.
#4) You will be required to purchase a supplement policy through a company approved in your state and on the government approval list.
#5) Typical supplement/gap policies will not cover drug benefits.
#6) You will be required to pay your Medicare Part B premium unless your state Medicaid pays it for you.

Because the insurance company approval list is a mile long, be wise in your selections and options. Various options have various costs. In other words, it is beneficial to shop around and keep an eye out for the best dollar rate for the coverage you choose. Your computer is the best way to find which company has the plan you need. You can talk to each company for valuable information or read the forms online. Additionally, you can deal directly with the chosen company and not through an agent.