What is Medigap?
A Medigap policy is an insurance policy that helps fill "gaps" in Original Medicare Parts A & B and is sold by private companies. Original Medicare A & B pays for much, but not all, of the cost for covering health care services and supplies.
Medigap policies are sold by private insurance companies and can help pay for some of the costs that Original Medicare A & B doesn't, like copayments, coinsurance, and deductibles. Some Medigap policies also cover certain benefits Original Medicare A & B doesn't cover, like emergency foreign travel expenses.
Important: What Medigap Does NOT Cover
Medigap policies do not cover your share of the costs under other types of health coverage, including Medicare Advantage Plans, stand-alone Medicare drug plans, employer/union group health coverage, Medicaid, FEHP, or TRICARE.
How Medigap Works with Original Medicare
If you have Original Medicare A & B and a Medigap policy, Medicare will pay its share of the Medicare-approved medically necessary fees for covered health care costs. Then, your Medigap policy pays its share to your provider. Medicare doesn't pay any of the costs of buying a Medigap policy.
Medigap vs. Medicare Advantage: A Medigap policy is different from a Medicare Advantage Plan because those plans are another way to get your Part A and Part B benefits, while a Medigap policy only helps pay for the costs that Original Medicare A & B doesn't cover. Insurance companies can't sell you a Medigap policy if you have coverage through a Medicare Advantage Plan or Medicaid. In other words, you can't have both — either one or another.
Need Help Choosing a Medigap Plan?
If you need help choosing a Medigap plan or company, simply call us to explore your options without any obligation.
Source: Medicare 2025 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare