Medicare Supplement Insurance (Medigap)

Medicare Supplement Insurance (Medigap) – Simple Answers to Common Questions

1. What is Medigap?

Medigap is private insurance that helps cover costs that Original Medicare (Parts A & B) doesn’t, like copayments, coinsurance, and deductibles.

2. How does Medigap work?

Medigap works alongside Original Medicare. Medicare pays first, then Medigap covers some or all remaining costs, depending on the plan.

3. What does Medigap cover?

Most Medigap plans help with: ✔ Part A & B coinsurance ✔ Part A deductible ✔ Skilled nursing facility care ✔ Foreign travel emergency (some plans)

4. What is NOT covered?

✖ Prescription drugs (you need Part D for that) ✖ Dental, vision, and hearing care ✖ Long-term care ✖ Private-duty nursing

5. How much does Medigap cost?

Costs vary by plan and provider. Premiums depend on your age, location, and insurer pricing method.