Medicare Supplemental Plan

        Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like copayments, coinsurance and deductibles. Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy,  Medicare will pay its share of the Medicare-Approved Amount for covered health care costs, then, your Medigap insurance company pays its share. You must be enrolled in Original Medicare (have Parts A and B together) in order to qualify. 

Medigap policies generally don't cover: 

  • Long-term care

     (like non-skilled care you get in a nursing home)

  • Vision or dental services

  • Hearing aids

  • Eyeglasses

  • Private-duty nursing