What Medigap Helps Pay For

• Copayments — fixed amounts for certain services
• Coinsurance — your percentage share of costs
• Deductibles — amounts you pay before Medicare pays

Key Features

• You must be enrolled in Part A and Part B to buy Medigap.
• Policies are standardized by plan type (A–N); coverage is the same across companies, premiums vary.
• No drug coverage: add a separate Part D plan for prescriptions.
• Individual policies — each person needs their own plan.
• Use any doctor or hospital nationwide that accepts Medicare.

1) You Must Have Original Medicare

Enrollment in Parts A & B is required to purchase Medigap.

2) Not for Medicare Advantage

If you have a Medicare Advantage plan, that coverage must end before a Medigap policy can begin.

3) Monthly Premiums

You pay a premium to the insurer for Medigap, in addition to your Part B premium.

4) Individual Coverage

Medigap covers one person; spouses need separate policies.

5) Choose Any Licensed Insurer

You can buy from any company licensed in your state to sell Medigap.

6) Guaranteed Renewable

As long as you pay premiums, your policy can’t be canceled — even with health issues.

7) No Prescription Drug Coverage

Medigap policies sold after 1/1/2006 do not include drug coverage. Add a separate Part D if needed.

8) Not Compatible with MSA Plans

You cannot have Medigap with a Medicare Medical Savings Account (MSA) plan.