What is Medigap?

A Medigap enrollment form and some cash Medigap is Medicare supplement insurance, which can help pay for health care costs that Medicare Parts A and B don’t cover. You will usually need to have Medicare Part A and Part B to buy a Medigap policy.

Medigap policies cannot be obtained with Medicare Advantage.
Private health insurance companies such as Blue Cross and Blue Shield, HealthNey, and Humana provide Medigap insurance. A Medicare supplement policy must follow Federal and state laws. In most states, there are 10 different, standardized Medigap plans available, labeled with letters: A, B, C, D, F, G, K, L, M, and N.

What are the Medigap eligibility and Enrollment requirements?

Medicare applicants who are eligible for a Medigap policy must also enroll Medicare Part A and Part B to receive the benefits of a Medicare supplement health insurance plan. Medigap policies contain an additional monthly premium on top of Medicare Part B. You can discuss your Medicare supplement insurance plan options with one of our licensed sales agents. They can help you sot through the choices to find a plan that best fits your needs.

Is Medigap family or group plan?

Medigap policies and other Medicare supplement insurance plans are not considered family or group plans. If you’re married, both you and your spouse will obtain a Medicare supplement insurance policy to receive the benefits. For additional Medicare and Medigap information, you can contact one of our licensed Medicare Advisors.

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Comparing plans can be a very complex and time-consumig activity, let one of our experts help you understand your options and choose the best to suit your healthcare needs.

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- Supplement Plan A
  Plan A might be a good choice for you if you feel you need only basic coverage and can assume the remaining risk yourself.
- Supplement Plan B
  Plan B coverage is limited to Medicare-approved charges. This means that you may be responsible for paying any additional out-of-pocket expenses.
- Supplement Plan C
  Plan C also includes skilled nursing facility care, Part A and Part B deductibles, and emergency services during travel abroad.

- Supplement Plan D
  Plan D does not include coverage for the Part B deductible, or any excess difference costs between the Medicare-approved amount and the doctor charges for Part B.
- Supplement Plan F
  Plan F offers Medicare Part A, coinsurance and deductible, Medicare Part B, coinsurance or copayment and deductible, and 100% of the Part B excess charges.
- Supplement Plan G
  Plan G also includes coverage for home-based recovery care and covers 100% of Medicare Part B excess charges.

- Supplement Plan K
  Plan K utilizes different cost-sharing for items and services than most of the supplement plans.
- Supplement Plan L
  Plan L utilizes different divisions of cost for items and services than most of the supplement plans.
- Supplement Plan M
  Plan M will not cover the Part B deductible. Also once the Part B deductible is met you will not be responsible for co-payments for physician appointments.

- Supplement Plan N
  Plan N may be a good option for you because if you are interested in low out-of-pocket responsibilities.

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Learn more about Medigap at Medicare.gov.