Medigap
Medicare Supplement Plans
Medigap policies help cover the out-of-pocket costs that Original Medicare doesn't pay, giving you more predictable healthcare expenses.
Freedom and Predictability
Original Medicare pays for much, but not all, of your health care services. A Medicare Supplement Insurance policy helps pay the remaining costs like copayments, coinsurance, and deductibles.
Important Distinction
Medicare Supplement (Medigap) and Medicare Advantage are mutually exclusive. You cannot have both. Medigap pays second to Original Medicare, whereas Medicare Advantage replaces it entirely.
Core Medigap Benefits
Standardized Plans
Plans are standardized by the federal government. A "Plan G" has the exact same core benefits across all insurance companies.
Copays & Coinsurance
Covers Part A hospital coinsurance, Part B medical coinsurance, blood, and skilled nursing facility care.
Travel Coverage
Many plans provide foreign travel emergency coverage, protecting you when you travel outside the United States.
What to Consider
Higher Monthly Premiums
You will pay a monthly premium for your Medigap policy (in addition to Part B). These premiums can increase as you get older.
No Prescription Coverage
Medigap policies sold today do not cover prescription drugs. You will need to purchase a separate Part D plan alongside it.
Who is Medigap Best For?
- Want the freedom to see any doctor or specialist in the US who accepts Medicare.
- Do not want to deal with network restrictions or referrals.
- Travel frequently across the country.
- Prefer a higher premium in exchange for near-zero out-of-pocket costs at the hospital.
Medigap Open Enrollment
The best time to buy a Medigap policy is during your 6-month Medigap Open Enrollment Period. During this time, you can buy any Medigap policy sold in your state, even if you have health problems. If you apply after this window, insurance companies may use medical underwriting to decide whether to accept your application.
Find the Right Medigap Plan
Let us help you compare standardized plan rates across different carriers to find the coverage that fits your needs.