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MEDIGAP BASICS
What's a Medigap policy?
A Medigap policy is private health insurance that helps supplement
Original Medicare. This means it helps pay some of the health
care costs that Original Medicare doesn’t cover (like copayments,
coinsurance, and deductibles).
- A Medigap policy is different from a Medicare Advantage Plan (like an HMO or PPO) because those plans are ways to get Medicare benefits, while a Medigap policy only supplements the costs of your Original Medicare benefits.
- Note: Medicare doesn’t pay any of your costs for a Medigap policy.
- All Medigap policies must follow federal and state laws designed to protect you, and policies must be clearly identified as “Medicare Supplement Insurance.”
- Medigap insurance companies in most states can only sell you a “standardized” Medigap policy identified by letters A through N.
- Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it.
- Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies.
More about Medigap
ADDITIONAL INFORMATION
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