Benefit comparison
Compare the exact Medigap plan type, benefits and premium. Standardization rules and available options can differ by state.
Understand the gaps
Medicare Supplement.
Medicare Supplement insurance, often called Medigap, can help with certain costs left to you under Original Medicare. Timing and eligibility matter when exploring a policy.
The essentials
What this service means.
Medigap is private insurance that helps pay your share of some covered Original Medicare costs, such as copayments, coinsurance and deductibles. It is a different coverage path from Medicare Advantage.
Enrollment rights
Ask when you can buy a policy, whether underwriting applies and whether you have guaranteed-issue rights. Do not assume you can switch at any time.
Complete the picture
Review prescription coverage and other needs separately. Medigap is not a complete replacement for your health and drug coverage decisions.
What to consider.
- A Medigap policy works with Original Medicare, not with Medicare Advantage.
- Review the premium and how rates may change over time.
- Confirm acceptance and effective dates before canceling existing coverage.
Let’s break it down.
Is Medicare Supplement a carrier?＋
No. It is a product category. Private insurance companies issue Medigap policies, and availability varies.
Is it the same as Medicare Advantage?＋
No. Medigap supplements Original Medicare. Medicare Advantage is an alternative way to receive Medicare benefits through a private plan.
Can I always buy a policy later?＋
Not necessarily. Outside protected enrollment situations, eligibility and underwriting may affect your options. Check your state’s rules and Medicare guidance before making a change.
Further reading: Medicare.gov: How Medigap works ↗
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