Medicare Supplement (Medigap)
What medicare supplement (medigap) means
Medigap is private supplemental insurance that works with Original Medicare to help pay specified Part A and Part B cost sharing.
The governing Medicare rule
Medigap does not work with Medicare Advantage, and policies sold after 2005 do not include prescription drug coverage.
Limits and important exceptions
Outside federal or verified state guaranteed-issue protections, medical underwriting may apply; never cancel existing coverage until replacement approval and effective date are confirmed.
A practical decision checklist
Compare standardized benefits, premiums, rating method, enrollment rights and issuer service using current state information.
Frequently asked questions
What is the most important point about medicare supplement (medigap)?
Medigap is private supplemental insurance that works with Original Medicare to help pay specified Part A and Part B cost sharing.
What should I verify before acting?
Compare standardized benefits, premiums, rating method, enrollment rights and issuer service using current state information.