Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:

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• Copayments

• Coinsurance

• Deductibles

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Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the US.  

 

If you have Original Medicare and you buy a Medigap policy, here's what happens:

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• Medicare will pay its share of the Medicare-Approved Amount for covered health care costs.

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• Then, your Medigap policy pays its share.

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Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.

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Some Medigap policies sold in the past cover prescription drugs. But, Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage.

 

If you want prescription drug coverage, you can join a Medicare Prescription drug plan Part D. If you buy Medigap and a Medicare drug plan from the same company, you may need to make 2 separate premium payments. Contact the company to find out how to pay your premiums.

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It's illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you're switching back to Original Medicare.

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This information obtained from Medicare.

By contacting the phone number on this website you will be directed to a licensed agent.

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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. 

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