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Medicare Supplement Insurance (Medigap) is a type of plan that can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S.

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Medigap is extra health insurance that you buy from a private company to pay health care costs not covered by Original Medicare, such as co-payments, deductibles, and health care if you travel outside the U.S. Medigap policies don't cover long-term care, dental care, vision care, hearing aids, eyeglasses, and private-duty nursing. Most plans do not cover prescription drugs.

You pay a monthly premium for a Medigap policy. A Medigap policy covers only one person. If you and your spouse both want a Medigap policy you will each need to buy one.

Medigap policies are only available to people who already have Medicare Part A, which helps pay for hospital services, and Medicare Part B, which covers the cost for doctor services. People who have a Medicare Advantage plan cannot get a Medigap plan.

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Frequently asked questions

A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn't cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will each pay its share of covered health care costs.

Any physician or facility that accepts Medicare also accepts Medicare Supplement Insurance. So as long as your provider accepts Medicare, your Medigap plan will also be accepted.

A Medicare Supplement Insurance plan may only be used in conjunction with Original Medicare (Part A and Part B). If you are enrolled in a Medicare Advantage plan and enroll in a Medicare Supplement Insurance plan, you will need to leave your Medicare Advantage plan before your Medigap plan takes effect.

Contact a licensed Eufracio Insurance agent. Because the prices and availability of plans can differ from one insurance company to another, the best way to shop for a plan is to compare offerings from multiple insurance companies in your area. The best way to do this is to have an agent provide you with a range of plan options and price quotes once you are age-eligible.
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