Medigap is optional coverage you can purchase from a private insurance company to help pay some of the out of pocket costs not covered by Original Medicare like copayments, coinsurance, and deductibles.
Note: Medigap only works with Original Medicare (Parts A & B). It's not the same as Medicare Advantage, drug plans, or other types of private insurance.
You're eligible to buy a Medigap policy if:
Under federal law, you get a 6-month Medigap Open Enrollment Period that starts the first month you have Medicare Part B and you're 65 or older. During this period:
If you apply after this period, coverage may be harder to get—or more expensive.
Medigap plans are standardized—which means a Plan G from one company must offer the same core benefits as a Plan G from another. The only difference is price, which varies by insurance provider.
Most states offer 10 standardized Medigap plans, labeled A–D, F, G, and K–N.
If you live in Massachusetts, Minnesota, or Wisconsin, Medigap plans follow different rules and structures than in other states.
