An attentive senior couple sitting at a dining table reviewing official health insurance paperwork together in bright natural light
An attentive senior couple sitting at a dining table reviewing official health insurance paperwork together in bright natural light
Medicare Supplement Insurance

Medigap Basics

A Medigap policy is private health insurance that helps supplement Original Medicare, paying some health care costs Original Medicare does not cover, such as copayments, coinsurance, and deductibles.

Understanding Your Options

How Medigap Works & Standardized Benefits

Policies must follow federal and state laws and be clearly identified as Medicare Supplement Insurance. In most states standardized policies are identified by letters A through N. Each standardized policy offers the same basic benefits regardless of insurance company.

A Medigap policy differs from Medicare Advantage: Medicare Advantage is a way to get Medicare benefits, while Medigap supplements costs of Original Medicare benefits. Please note that Medicare does not pay your Medigap policy costs.

Official Publications

Official Medicare Resources

Access official guides and publications from Medicare.gov to learn more about your coverage choices.

Overview of Medigap

Choosing a Medigap Policy

Medicare and You

Official CMS introductory publication explaining how Medigap policies work with Original Medicare.

A comprehensive guide to policy options, open enrollment periods, and plan comparison.

The official U.S. government Medicare handbook covering general benefits, rights, and policies.

Have Questions About Medigap Plans?

We offer straightforward, zero-pressure consultations. Free consultations in English, Chinese, Mandarin and Taiwanese.