What is Medigap, and Why do I need Supplemental Insurance?
Key Takeaways
Medicare doesn't cover everything - you might need services or procedures that aren't fully covered in Original Medicare. A Medicare Supplement (Medigap) can help you cover those costs. It's a good idea to know what the different plan types are when it comes time to purchase your supplemental policy.
What is Medicare Supplement insurance (Medigap)?
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: Copayments, Coinsurance and Deductibles.
Discover what features you can expect in a Medicare Supplement insurance plan.
Medigap insurance fills many of the coverage gaps not paid by Medicare A and B. Benefits and costs vary depending upon the standardized plan you choose.
Most plans cover the Part A inpatient hospital deductible.
All Medigap plans cover 100% of hospital coinsurance days up to 365 days after Medicare benefits end.
All plans cover the Part B coinsurance/copayment of 20% of approved Medicare charges.
Why choose a Medicare Supplement plan over other options?
Flexibility
Free to use any doctor, hospital or healthcare provider that accepts Medicare
Control
Visit any specialist that accepts Medicare with no referral needed
Freedom
Coverage that travels with you anywhere in the United States
Choice
Choose from a variety of standardized plans and find a plan that fits you
Security
Financial protection from what Medicare doesn’t pay
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