Medigap

Medigap is secondary insurance offered by private companies that is specifically meant to fill the gaps in traditional Medicare. Medigap includes coverage for things such as co-payments or co-insurance, deductibles and more.

 

There are 12 standard Medigap plans available to people age 65 and over with Medicare – plans A through L. Some Medigap plans are also available to people under age 65 with disabilities.

 

Medigap plans at each level are required by law to offer the same basic benefits regardless of which private insurance company is selling it. The main difference between each level of the plans is the degree of coverage they provide and how much the plan costs. For example, all Medigap A plans offer the same coverage; all Medigap B plans offer the same coverage, etc.

 

These standard Medigap plans are available nationwide, except for in Massachusetts, Minnesota or Wisconsin, where Medigap plans are standardized in a different way.  Click on each state to learn more about its specific Medigap plans.

 

The chart below lists all the Medigap plans coverage for A-L. All Medigap plans are required to offer Medicare Part A co-insurance, Medicare Part B co-insurance and up to three pints of blood per year.

 

As you can see, some plans fill in the gaps in traditional Medicare more completely than others. You’ll note, too, that none of the Medigap plans cover prescription drugs. This is because most drugs that Medigap would have covered are covered under a Medicare Part D plan.

 

 

Medigap Policy	Skilled Nursing Facility	Part A Deductible	Part B Deductible	Part B Excess Charges	Foreign Travel Emergency	At-Home Recovery	Preventive Care	Hospice Care
A
B
C
D
E
F				(100%)
G				(80%)
H
I				(100%)
J				(100%)
K	(50%)	(50%)
L	(75%)	(75%)