Medicare Supplement Insurance (Medigap)
Extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare.
Part A Coinsurance & Hospital Costs*
Part B coinsurance or copayment*
Part A hospice coinsurance or copayment
3 Pints of Blood (Original Medicare only covers after 3 pints)
Skilled nursing facility care coinsurance*
Foreign Travel Emergency Care
Benefits
Medigap Coverage
Medigap, or Medicare Supplement Insurance, is designed to fill in the coverage gaps of Original Medicare (Part A and Part B). The specific benefits can vary depending on the Medigap plan chosen.
Why Do I Need
Medigap (Medicare Supplement Insurance)
Medigap Benefits
Medigap policies offer beneficiaries the opportunity to minimize out-of-pocket costs, enjoy flexibility in provider choices, and experience peace of mind in their healthcare coverage.
Coinsurance
Deductibles
Changing Needs
Network Flexibility
Extended Hostpitalization
**Predictable Costs
Learn How Medigap Works
Learn what Medigap Covers
Learn what Medigap covers, how it works, and general costs.
Compare Medigap Plan Benefits
Compare the benefits offered by each plan.
Learn How Medigap Works
Must have Original Medicare (Part A and Part B)
Our FAQ
Got questions? We've got answers
Medigap, also known as Medicare Supplement Insurance, is a type of private health insurance designed to cover out-of-pocket costs that are not covered by Original Medicare, such as deductibles, co-payments, and coinsurance.
Medigap supplements Original Medicare by filling in coverage gaps, whereas Medicare Advantage (Part C) is an alternative way to receive Medicare benefits. While Medigap works alongside Parts A and B, Medicare Advantage plans typically bundle Medicare Parts A, B, and often D (prescription drug coverage) into one plan, sometimes may offer additional benefits.
The best time to enroll is during your Medigap Open Enrollment Period, which lasts for six months and starts the month you turn 65 and are enrolled in Medicare Part B. During this time, insurance companies can't use medical underwriting to decide whether to accept your application or determine the premium rate.
Yes, you can switch Medigap plans. However, unless you're in a specific guaranteed issue right period or within your initial open enrollment period, you may be subject to medical underwriting, which can affect your premium or eligibility based on health status.
As of January 1, 2006, Medigap policies sold to new beneficiaries no longer offer prescription drug coverage. If you want prescription drug coverage, consider enrolling in a Medicare Part D Prescription Drug Plan.
Most states standardize Medigap policies by letter, meaning Plan G in Texas offers the same benefits as Plan G in Florida. However, Massachusetts, Minnesota, and Wisconsin standardize their plans differently.
Medigap Simplified
Medigap Guide
Compare Medigap Plans
Review a chart that shows basic information about the different benefits Medigap policies cover.
Understand Medigap Costs
Each Medigap plan comes with a monthly premium, which can vary widely.
Take Advantage of Discounts
Some insurers may offer Household and/or Payment Method Discounts.
Call to speak with a licensed insurance agent for help
1 (866) 504-1422
TTY Users 711
MedSup.org is privately owned and operated by Policy Chart Insurance Services, LLC. Invitations for applications for insurance on MedSup.org are made through Policy Chart Insurance Services, LLC, a subsidiary of RJ Capital Group, Inc., only where licensed and appointed. Policy Chart Insurance Services, LLC licensing information can be found here. Submission of your information constitutes permission for an agent to contact you with additional information about the cost and coverage details of health plans. MedSup.org is not associated, endorsed or authorized by the Center for Medicare and Medicaid Services or any other government entity. A non-governmental site not affiliated with any government agency. This site contains basic information about Medicare, services related to Medicare, private medicare, Medigap and services for people with Medicare. If you would like to find more information about the Government Medicare program please visit the Official US Government Site: at www.medicare.gov.
This is a solicitation of insurance. A licensed insurance agent can help you determine whether you are eligible. Not connected with, or endorse by, the U.S. government or the federal Medicare program. Plan availability varies by region and state. Callers will be connected with a licensed insurance agent with a third-party partner of MedSup.org who can provide more information about Medicare plan options from one or several insurance carrier(s). This information is not a complete description of benefits. For a complete listing of Medicare plans, please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week, or consult www.medicare.gov.
* https://www.medicare.gov/basics/costs/medicare-costs
** Exclusions and limitations apply.
MMR-1846-2024
