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What is Medigap?

Medigap is supplemental insurance that can be used along with Medicare Parts A & B. Medicare covers many healthcare costs, but it does not pay for every expense. These additional costs are, sometimes called the “gaps” in Medicare coverage. Medigap helps pay for the gaps, similar to retiree insurance. Some of the out-of-pocket costs you may incur in 2020 are in the graphic below.

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How Medigap Works
Medigap can be purchased from private insurance companies in each state. There are 11 different standard Medigap plans that can be sold in most states.
Changing Medigap Policies
There are many reasons to switch Medigap plans. Maybe out-of-pocket costs are too high, certain benefits are unneeded, or health changes require more coverage.
New to Medicare - Signing Up for a Medigap/Medicare Supplement Plan
There are two Medicare plans to consider - Medicare Advantage or Original Medicare + Medigap.