Medicare provides you with coverage for health-related expenses, but it doesn’t cover everything. There are a number of gaps in Medicare coverage. Learn how a Medicare Supplement Insurance plan can...
Learn about Medicare health plans, Medigap, how Medicare works with other insurance, and Drug coverage.
Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private insurance company to help pay your share of costs in Original Medicare.
Medicare Supplement Insurance An overview of Medicare Supplement Insurance (Medigap) policies Getting Started Let's get started What's Medigap? Original Medicare pays for many, but not all...
Can enroll in any Medigap policy. Will generally get better prices and more choices among policies. You can buy any Medigap policy sold in your state. An insurance company can’t use medical underwriting to decide whether to accept your application - they can’t deny you coverage due to pre-existing health problems.
Medigap is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare.
Medicare is health insurance for people 65 or older, certain people who are under 65 with disabilities, and people of any age with End‑Stage Renal Disease (ESRD) (permanent kidney failure...
Offers discounts (like discounts for women, non-smokers, or married people; discounts for paying yearly; discounts for paying your premiums using electronic funds transfer (automatic payment from checking account or credit card); or discounts for multiple policies). Uses medical underwriting or applies a different premium when you don't have a guaranteed issue right or aren't in your Medigap Open Enrollment Period. Sells Medicare SELECT policies that may require you to use certain providers. If ...
The chart below shows basic information about the different benefits Medigap policies cover. ; = the plan covers 100% of this benefit = the plan doesn't cover this benefit % = the plan covers that percentage of this benefit and you’re responsible for the rest N/A = not applicable ; The Medigap policy will only pay your coinsurance after you’ve paid the deductible (unless the Medigap policy also covers your deductible).
What happens when I turn 65? ; You can choose to join a Medicare drug plan when you sign up for Medicare Part A and/or Part B. If you choose not to join a Medicare drug plan, you’ll need to have creditable drug coverage to avoid paying a Part D late enrollment penalty. Creditable drug coverage is coverage that provides the same value as Medicare drug coverage. If you’re not sure your retiree drug plan is considered creditable, ask your plan – they have to tell you. Your plan will also send...