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Medicare Supplements (Medigap)

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Pick Go To Section Below to skip to Medicare Supplement (Medigap) Facts Topics
Closer Look at Medigap - select go to section to skip to that topic
CLOSER LOOK AT
MEDIGAP 
8 Things to know about Medigap - select go to section to skip to that topic
8 THINGS TO KNOW
ABOUT MEDIGAP 
What Medigap Doesn't Cover - select go to section to skip to that topic
WHAT MEDIGAP
DOESN'T COVER 
Medigap Costs - select go to section to skip to that topic
MEDIGAP
COSTS  

Closer Look at Medicare Supplements (Medigap)

A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn't cover, like:

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Copayments

Copayments

Coinsurance

COinsurance

Deductibles

Deductibles

Medigap policies are sold by private companies. Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here's what happens: 

  • Medicare will pay its share of the Medicare-approved amount for covered health care costs.
  • Then, your Medigap policy pays its share

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

*This is a brief description of Medigap policies and is for illustrative purposes only. For more details, visit Medicare.gov.
Information above was taken from Medicare.gov website: https://www.medicare.gov/supplement-other-insurance/medigap/whats-medigap.html 

8 Things to Know About Medigap Policies

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You must have Medicare:

  • Part A and
  • Part B
1st thing to know about Medigap policies

If you have a Medicare Advantage Plan, you can apply for a Medigap policy. But, make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.

2nd thing to know about Medigap policies

You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.

3rd thing to know about Medigap policies

A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll have to buy separate policies.

4th thing to know about Medigap policies

You can buy a Medigap policy from any insurance company that is licensed in your state to sell one.

5th thing to know about Medigap policies

Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.

6th thing to know about Medigap policies

Some Medigap policies sold in the past cover prescription drugs. But, Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).

7th thing to know about Medigap Policies

It's illegal for anyone to sell you a Medigap policy if you have a Medicare Medical Savings Account (MSA) Plan.

8th thing to know about Medigap Policies

*This is a brief description of Medigap policies and is for illustrative purposes only. For more details, visit Medicare.gov.
Information above was taken from Medicare.gov website: https://www.medicare.gov/supplement-other-insurance/medigap/whats-medigap.html

What Medigap Doesn't Cover

Medigap policies generally don't cover the following:
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Medigap Doesn't Cover Long-Term Care

LONG-TERM CARE

Medigap doesn't cover Vision Care

VISION CARE

Medigap doesn't cover Dental Care

DENTAL CARE

Medigap doesn't cover hearing aids

HEARING AIDS

Medigap doesn't cover eyeglasses

EYEGLASSES

Medigap doesn't cover Private-Duty Nursing

PRIVATE-DUTY NURSING

*This is a brief description of Medigap policies and is for illustrative purposes only. For more details, visit Medicare.gov.
Information above was taken from Medicare.gov website: https://www.medicare.gov/supplement-other-insurance/medigap/whats-medigap.html

Medigap Costs

Medicare doesn't pay any of the costs for you to get a Medigap policy. You have to pay the premiums for a Medigap policy.
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Medigap helps pay your part b bills

Medigap Helps Pay Your Part B Bills

In most Medigap policies, the Medigap insurance company will get your Part B claim information directly from Medicare. Then, they pay the doctor directly. Some Medigap insurance companies also provide this service for Part A claims.

If your Medigap insurance company doesn't provide this service, ask your doctors if they "participate" in Medicare. This means that they "accept assignment" for all Medicare patients. If your doctor participates, the Medigap insurance company is required to pay the doctor directly if you request it.  

compare the costs of medigap plans

Compare the Costs of Medigap Plans

Insurance companies may charge different premiums for the same exact policy. As you shop for a policy, be sure you are comparing the same policy. For example, compare Plan A from one company with Plan A from another company.

In some states, you may be able to buy another type of Medigap policy called Medicare SELECT. If you buy a Medigap SELECT policy, you have the right to change your mind within 12 months and switch to a standard Medigap policy. For more info on how Medigap plans are priced and rated, CLICK HERE.  

*This is a brief description of Medigap policies and is for illustrative purposes only. For more details, visit Medicare.gov.
Information above was taken from Medicare.gov website: https://www.medicare.gov/supplement-other-insurance/medigap/costs/medigap-plan-costs.html

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