HomeFamily & LivingWhat are Medigap Plans?

What are Medigap Plans?

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You may have heard about Medigap and wondered what it would be if you just recently enrolled in Medicare. Your Medicare plan can include some out-of-pocket expenses that Medigap insurance only partially covers. Because there are so many Medigap insurance available, it’s important to do your research and pick one that matches your medical and financial needs.

What is Medigap?

Medigap is a type of Medicare supplemental insurance that private firms offer to cover costs associated with Original Medicare, such as deductibles, copayments, and coinsurance. When traveling outside of the United States, emergency medical costs may occasionally be covered by Medigap. Before Medigap coverage takes effect, both Medicare and you must have paid your respective share of the cost of the medical care.

The Medigap plans available right now are A, B, C, D, F, G, K, L, M, and N. Some Medigap policies are no longer available to new Medicare enrollees. Plans C, F, E, H, I, and J are included in this category. If it is one of these, you are free to stick with your plan. If you were eligible for Medicare before January 1, 2020, you can still purchase Plan C or F.

What Do Medigap Plans Cover?

The types of copayments, coinsurance, and other medical expenses that different Medigap policies will cover vary. All Medigap insurance coverage covers at least some, if not all, of the following:

• The coinsurance for Medicare Part A and hospital expenses

• Copayments or coinsurance under Medicare Part A for hospice care

• Coinsurance or copayment costs for Medicare Part B

• The initial three pints of blood transfusion.

Some Medigap policies additionally cover the cost of skilled nursing homes, Medicare Part A and Part B deductibles, Medicare Part B excess charges, and unexpected international medical bills. The specific coverage details change based on the plan you choose.

Medigap Coverage Exclusions

Prescription medicines, vision, dental, and hearing care, as well as other health-related benefits like gym memberships and transportation services, are not covered by a Medigap policy, which can help with some of your Medicare costs. For these medical procedures to be covered by Medicare, you must choose a Medicare Advantage (Part C) plan or add a Part D Medicare insurance.

How Much Does Medigap Plan Cost?

Pros and Cons of No-Fault Insurance

The associated costs of Medigap plans differ from one plan to another. Your initial Medicare premiums and any additional Medigap plan premiums are your responsibility. Copayments and deductibles are other things to think about.

The community rating, issue age rating, or accomplished age rating options are all possible for Medigap insurance premiums. Age is not a factor in the monthly premium for community-rated policies. On the other hand, the premiums for issue-age-rated policies depend on the policyholder’s age at the time of purchase. Age-rated insurance has higher premiums as you get older.

Does Medigap Cover You When You Travel?

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The cost of emergency medical care when traveling outside the US is covered by some Medigap plans. Plans C, D, F, G, M, and N all include this coverage. While no longer on the market, Plans E, H, I, and J continue to provide coverage for medical expenses incurred while traveling. However, when going outside of the country, there is a $250 deductible for unforeseen medical costs. Following that, your Medigap insurance will pay 80% of any unforeseen medical costs you incur, up to a lifetime maximum of $50,000. Just keep in mind that a Medigap policy will only cover these costs if they start within the first 60 days of the trip.

When Can You Enroll in Medigap?


Even though there are numerous Medicare plan enrollment windows, you can only add Medigap insurance during certain times of the year. The following are the Medigap enrollment windows:

1. Initial enrollment period: To sign up for Medicare, add Medigap insurance, and the month of your 65th birthday, you have three months.

2. Open enrollment period: If the initial enrollment period was missed, you may still apply for Medigap coverage during this period. If you are older than 65, this time starts when you sign up for Part B. When you turn 65 and sign up for Part B, this window of time for you lasts six months.

It’s imperative to comprehend that insurance companies are not required to give you a Medigap policy, particularly if you are under 65. After the initial and open enrollment periods have ended, finding an insurance provider willing to offer you a plan could be more difficult. If you want Medigap, you should begin the application procedure after you sign up for Medicare Part B. Keep in mind that if you have a Medicare Advantage plan, you cannot acquire a Medigap policy. The Medigap insurance cannot be added to your original Medicare plan.

Assisting Loved Ones’ Medigap Selection


If you’re assisting a loved one in selecting a Medigap policy, keep the following factors in mind:

1. Establish what additional financial support they need: Determine how much assistance financially your loved one needs. To ensure that the Medigap coverage’s advantages surpass the costs associated with the policy.

2. Recognize the possibility of requiring hospice or skilled nursing care: Not all Medigap policies provide coverage. Please carefully review the advantages of the policy to be sure they correspond to any potential future medical need for your loved one.

3. Consider their travel preferences: If a loved one frequently leaves the country, search for a Medigap plan with emergency healthcare coverage for international travel.

4. Examine alternative Medicare plan options: While Medicare Advantage plans may offer more comprehensive benefits, Medigap plans supplement original Medicare’s financial coverage. Consider whether a different Medicare plan would better meet your loved one’s medical needs.

The ideal Medigap coverage for your loved one can be found among the many possibilities for Medigap plans that are available by contrasting the options with their demands.


For people with original Medicare who want additional financial protection, Medigap policies offer supplement insurance options. Enrolling in Medigap coverage aids in covering particular expenditures like deductibles, copayments, and coinsurance, but it’s crucial to be aware of any out-of-pocket charges. It’s important to stay informed and continually assess your alternatives because Medicare plan features and prices vary yearly.            

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