What is Medigap?
Medigap (Medicare Supplement Insurance) helps pay out-of-pocket costs not covered by Original Medicare, such as deductibles, coinsurance, and copays—giving you more predictable healthcare expenses.
Covers:
Medicare Deductibles
Coinsurance & Copays
Foreign Travel Emergency
Coverage Choices (Plan A–N)
Guaranteed Renewable
Works with Any Medicare Doctor
FAQ
Who can buy Medigap?
Anyone with Original Medicare (Parts A and B) can apply for a Medigap policy, usually within six months of enrolling in Part B for guaranteed issue rights.
What does Medigap not cover?
Medigap does not cover prescription drugs, dental, vision, hearing, or long-term care. Pair it with Part D for drug coverage.
Can I have Medigap and a Medicare Advantage plan?
No, you cannot use Medigap with Medicare Advantage. You must have Original Medicare Parts A and B to buy Medigap.
Are all Medigap plans the same?
Yes, all plans of the same letter (A–N) are standardized by law—coverage is the same, but prices and extras may differ by insurer.