Medigap (Medicare Supplement Insurance)
Medigap, also known as Medicare Supplement Insurance, is coverage offered by private insurance companies to help pay for out-of-pocket costs not covered by Original Medicare. This includes copayments, coinsurance, and deductibles that you would otherwise be responsible for paying.
Medigap plans are standardized and must provide a core set of benefits, though some plans offer additional coverage. For example, certain Medigap plans may help cover emergency medical care if you become ill while traveling outside the United States.
Am I Eligible for a Medigap Plan?
To qualify for a Medigap policy, you must:
- Be enrolled in Medicare Part A and Part B.
- Pay a monthly premium for your Medigap plan (in addition to your Part B premium).
Medigap policies cover one person, so if you're married, both spouses will need to purchase separate policies. If you're currently enrolled in a Medicare Advantage Plan (Part C), you are not eligible for a Medigap policy unless you switch back to Original Medicare (Parts A and B).
Need Help Navigating Medicare or Choosing a Medigap Policy?
Understanding Medicare and selecting the right coverage can feel overwhelming, but you don't have to do it alone. Whether you're exploring your Medicare options or trying to decide if a Medigap (Medicare Supplement) policy is right for you, as a licensed local agent, we can provide the guidance you need.
We can help you:
- Understand your Medicare options and eligibility.
- Review plan costs, coverage, and benefits.
- Avoid late enrollment penalties.
- Compare Medigap policies and premiums.
- Determine if switching from Medicare Advantage to Original Medicare with a Medigap plan is the right choice.
- Find a plan that fits your healthcare needs and budget.
Get personalized support from a trusted local professional. Call (703) 436-8226 today to schedule your no-cost, no-obligation consultation. Calling the phone number will direct the individual to a licensed agent/broker.
*Disclaimer: This page has not been reviewed or endorsed by Medicare.gov or any member of the Centers for Medicare & Medicaid Services (CMS).
