Dear Savvy Senior: I’m planning to enroll in original Medicare in a few months and have been told I probably need to get a Medicare supplemental policy too. Can you offer any tips on selecting one? — Almost 65

Dear Almost: If you’re enrolling in original Medicare, getting a supplemental policy (also known as Medigap insurance) is a smart idea because it will help pay for things that aren’t covered by Medicare, such as copayments, coinsurance and the Part A deductible. Here are some tips to help you choose an appropriate plan.

Medigap plans

In all but three states (Massachusetts, Minnesota and Wisconsin), Medigap plans, which are sold by private health insurers, are available to new enrollees in eight different standardized plans. These plans are labeled with the letters A, B, D, G, K, L, M and N, with two more, C and F, that are only available to those who were eligible for Medicare before 2020.

Plan G is the most popular policy among new enrollees because it covers the most comprehensive range of benefits. Monthly premiums for Plan G typically range between $100 and $300, depending on your age and the state you reside in. If that’s more than you’re willing to pay, there are also high-deductible plans that have lower premiums but impose higher out-of-pocket costs.

For more information on the different types of plans and coverage details, including Medigap options in Massachusetts, Minnesota and Wisconsin, go to Medicare.gov/publications and type in “choosing a medigap policy” in the keyword box, and download their 2022 guide. Or call 1-800-MEDICARE and ask them to mail you a copy.

How to choose

To pick a Medigap policy that works best for you, consider your health, family medical history and your budget. The differences among plans can be small and rather confusing.

To help you choose, visit Medicare.gov/medigap- supplemental-insurance- plans and type in your ZIP code. This will give you a list of the plans available in your area, their price ranges and the names and contact information of companies that sell them. But to get specific pricing information you’ll need to contact the carriers directly or call your State Health Insurance Assistance Program. See ShipHelp.org or call 877-839-2675 for contact information.

Since all Medigap policies with the same letter must cover the exact same benefits (it’s required by law), you should shop for the cheapest policy.

You’ll get the best price if you sign up within six months after enrolling in Medicare Part B. During this open-enrollment period, an insurer cannot refuse to sell you a policy or charge you more because of your health.

You also need to be aware of the pricing methods, which will affect your costs. Medigap policies are usually sold as either: “community-rated,” where everyone in an area is charged the same premium regardless of age; “issue-age-rated,” that is based on your age when you buy the policy, but will only increase due to inflation, not age; and “ attained-age-rated,” that starts premiums low but increases as you age. Commu­nity-rate and issue-age-rated policies are the best options because they will save you money in the long run.

You can buy the plan directly from an insurance company or you can work with a reputable insurance broker.

Drug coverage

You also need to know that Medigap policies do not cover prescription drugs, so if you don’t have drug coverage, you’ll need to buy a separate Medicare Part D drug plan too. See Medicare.gov/plan-compare to compare plans. Also note that Medigap plans do not cover vision, dental care, hearing aids or long-term care.

Alternative option

Instead of getting original Medicare, plus a Medigap policy and a separate Part D drug plan, you could sign up for a Medicare Advantage plan (see medicare.gov/plan- compare) that provides all-in-one coverage. These plans, which are sold by insurance companies, are generally available through HMOs and PPOs that require you to get your care within a network of doctors.

Jim Miller is a contributor to NBC-TV’s “Today” program and author of “The Savvy Senior.” Send your questions to Savvy Senior, P.O. Box 5443, Norman, OK 73070; or visit savvysenior.org.