Medicare offers essential healthcare coverage, but it doesn't cover everything. That's where Medicare Supplement Insurance, commonly known as Medigap, comes in. Designed to fill the "gaps" left by Original Medicare, Medigap helps cover costs like copayments, coinsurance, and deductibles, giving you greater financial peace of mind. Whether you're new to Medicare or exploring options to enhance your coverage, this guide will break down the basics of Medigap, making it easy to understand what it is, how it works, and whether it's right for you.
Medigap works with Original Medicare. Medicare pays its share first, and Medigap covers your portion based on the plan you choose. Medigap policies are renewable annually as long as premiums are paid.
You can buy Medigap if you have Original Medicare, meaning you are enrolled in Medicare Part A and Part B. Your eligibility begins during the 6-month Medigap Open Enrollment period, starting the first month you're 65 or older and have Part B.
Medigap plans cover costs like copayments, coinsurance, and deductibles. Some plans also include foreign travel emergency coverage with certain limits. Scroll down further to see the different Medigap plans and what's included in each!
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