Medigap (Medicare Supplement) explained

Medigap, also called Medicare Supplement insurance, is private coverage that helps pay costs Original Medicare does not, such as certain coinsurance, copayments, and deductibles. Plans are standardized by letter in most states.

What it covers

Medigap pays its share of costs after Original Medicare pays first, reducing your out-of-pocket spending on covered services. Because plans are standardized, a given plan letter offers the same benefits from any insurer in most states.

Medigap vs Medicare Advantage

Medigap works alongside Original Medicare, while Medicare Advantage replaces it with a private plan that has its own network. You generally cannot use both at the same time.

When to enroll

There is a one-time Medigap open enrollment period when you first qualify, during which insurers generally cannot deny you or charge more for health reasons. Enrolling later may involve health questions.

Frequently asked questions

＋ What does Medigap cover?

It helps pay costs Original Medicare leaves to you, such as coinsurance, copayments, and deductibles. Coverage depends on the standardized plan letter you choose.

＋ Can I have Medigap and Medicare Advantage together?

Generally no. Medigap supplements Original Medicare, while Medicare Advantage replaces it. You usually choose one approach.

＋ When is the best time to buy Medigap?

During your one-time Medigap open enrollment period when you first qualify, insurers generally cannot deny coverage or charge more for health reasons. Later enrollment may involve underwriting.

Educational content only — not legal, financial, or insurance advice. Requirements and pricing vary by state.

Filling the gaps in Original Medicare