What is Medigap (Medicare Supplement)?
Insurance glossary entry on BeCovered.ai for the term "Medigap (Medicare Supplement)": Private policies that help pay Medicare cost-sharing like coinsurance and deductibles. Scope: plain-language meaning for coverage discussions; confirm definitions on your policy forms.
Private policies that help pay Medicare cost-sharing like coinsurance and deductibles.
Understanding Medigap (Medicare Supplement)
Medigap is standardized in many states by letter plans. You generally must have Part B. Guaranteed issue rights vary by timing of enrollment relative to Part B start.
Examples
- Plan G covering Part A deductible after Part B pays its share (per plan rules).
- Travel emergency coverage rider on some Medigap plans.
Common Questions About Medigap (Medicare Supplement)
Can Medigap cover prescriptions?
Modern Medigap does not replace Part D—use a standalone Part D plan for drugs.
Medigap vs Medicare Advantage?
Medigap pairs with original Medicare; Medicare Advantage replaces delivery with managed networks. Switching rules are constrained—get counseling.
Related Insurance Types
Related Terms
Premium
The amount you pay to your insurance company for your coverage, typically monthly or annually.
Coinsurance
The percentage of costs you share with your insurance company after meeting your deductible.
Deductible
The amount you pay out of pocket before your insurance coverage kicks in.
Exclusion
Specific situations, conditions, or types of damage that your insurance policy does not cover.