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Medigap Questions

What is Medigap (Medicare Supplemental) insurance?

Medicare Answer:
Medigap Questions

Private insurance providers offer Medigap or Medicare supplemental insurance, which helps pay for some of the health-care expenses that initial Medicare does not cover, such as some or all Medicare deductibles and coinsurance.

Medicare Plan: 

Medicare Supplement Plan

Medicare Supplement Plan

Updated on:
March 16, 2021

More Medicare Questions & Answers

Question:
I have a Medicare Advantage plan. Do I still need Medigap insurance?
Answer:
You cannot purchase a Medicare Replacement Insurance or Medigap plan if you have a Medicare Advantage plan.
Question:
If I have a Medigap policy and cancel it, can I get it back during open enrollment?
Answer:
No, it's not real. The open enrollment period for Medicare supplemental insurance (which runs from October 15 to December 7) does not extend to Medigap supplemental insurance.
Question:
What is Medigap supplemental insurance (if I’m age 65 or older)?
Answer:
Medigap is a form of private insurance that pays for out-of-pocket costs not covered by Original Medicare. (If you're under 65 and have Medicare because of a disability, see the next question in this section; the rules are different for you.)
Question:
How will I know if I’ve reached the coverage gap?
Answer:
Your insurer should give you a monthly statement outlining the overall out-of-pocket expenses for covered prescription medications, as well as whether that number puts you in or brings you out of the coverage gap.
Question:
How do I find an insurance company that is approved to sell Medicare supplemental plans (Medigap) in my area?
Answer:
On Medicare's website, you can find a detailed list. You may also contact Medicare's support line or your state's insurance department.

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