Medicare Supplement (Medigap)
Medicare Supplement Insurance, also called Medigap, helps pay for the out-of-pocket costs that Original Medicare doesn’t cover, such as deductibles, copayments, and coinsurance. These plans are offered by private insurance companies but are standardized and regulated by the federal government.
Part A
Hospital
Part B
Medical
Plan F,G,N...
Medicare Supplement
Part D
Prescription Drugs
How Supplements Work
Medigap plans are designed to work alongside original medicare (Parts A & B).
Keep your medicare (red, white, and blue card), and your medigap plan pays its share after Medicare pays.
These plans do not replace medicare, they "fill in the gaps."
You must remain enrolled in both Part A & Part B to keep medigap coverage.
Plan Options
Medigap plans are standardized across most states (plans are labeled A through N).
Each lettered plan offers the same benefits, no matter which insurance company sells it.
The difference is which benefits are included and the monthly premium cost.
Examples of what Medigap may cover:
Medicare Part A coinsurance and hospital costs
Medicare Part B coinsurance and hospital costs.
Blood (first 3 pints)
Hospice care coinsurance
Skilled nursing facility coinsurance
Part A and Part B deductibles (depending on the plan)
Foreign travel emergency coverage
Medigap vs. Medicare Advantage
Medigap = Supplement Original Medicare
Medicare Advantage = Alternative to Original Medicare
You cannot have both medigap and medicare advantage at the same time.
Many people choose medigap if they want:
Freedom to see any doctor that accepts medicare, nationwide
More predictable out of pocket costs
Medigap FAQs
In addition to standard Medicare coverage, many Medicare Advantage Plans may offer:
Do Medigap plans include prescription drug coverage?
No. You will need to purchase separate Part D plan for prescription drugs.
What is the best time to buy Medigap?
During your Medigap Open Enrollment Period (6 months starting the month you're 65 and enrolled into Part B.) During this time, you cannot be denied coverage or charged more due to health history.
Can I Switch Medigap plans later?
Yes, but depending on your health and state rules, you may be subject to medical underwriting outside of your open enrollment window.
Compliance Disclaimer
Medicare Supplement Insurance (Medigap) policies are offered by private insurance companies. Benefits, premiums, and availability vary by state and carrier. These plans work with Original Medicare (Parts A and B) and do not include prescription drug coverage. This information is for educational purposes only and is not intended to recommend or endorse any specific plan. Please review plan details carefully and confirm coverage with the insurer before applying.
© AdviseCare Insurance 2025 All Rights Reserved. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.