If you have a Medicare plan and are thinking about a supplement, then you already know that your plan just doesn’t cover everything that you need it to. Some items, such as hearing aids, are not covered by the standard Medicare plan. Unexpected expenses can leave you in a tight bind.

However, there are supplemental insurances that are in place for you to utilize, known as a Medigap plan.

What is Medigap, exactly?

Medigap is a Medicare supplement plan that assists in covering costs with your Medicare plan. It is called Medigap because it covers the ‘gaps’ in your plan.

Medigap plans are sold by private insurance companies that agree to abide by federal Medicare guidelines, so you’ll always have the assurance that they are regulated correctly. You cannot purchase a Medigap policy unless you are also enrolled in Medicare Part A and Part B. Medigap policies only cover one person, as well. There are no joint policies (such as for a married couple), so a married couple will need a policy for each spouse.

In addition, Medigap plans cannot be used in conjunction with Medicare Advantage.

How much does it cost?

Medigap policies are not free-of-cost, but contacting a licensed agent will assist in knowing what your Medicare plan already covers, and what benefit you can get from a Medigap plan.

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If you’re looking for the government’s Medicare site, please navigate to www.medicare.gov.

Nothing on this website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

The purpose of this communication may be a solicitation of insurance or product offered from various advertising networks. Contact will be made by a licensed insurance agent/producer or insurance company or adviser. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. Many of our advertisers sell insurance offered from a number of different Medicare Supplement insurance companies.

This site is a non-government resource , providing information in a simple and straightforward way. Nothing on this website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine. The purpose of any insurance communication is the solicitation of insurance. Contact will be made by a licensed insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. Our advertisers sell insurance offered from a number of different Medicare Supplement insurance companies. The trademarks or service marks sold or described herein, or in blogs or advertisements, are owned by the respective trademark owners and nothing herein should be construed as a representation by this site owner or team members.