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Medicare Supplement Insurance (Medigap)

Medigap is supplemental insurance to cover some of the “gaps” that Original Medicare (Medicare Parts A and B) doesn’t cover. Medicare out-of-pocket costs can include deductibles, copayments, and coinsurance. Medigap policies are standardized by the federal government and sold by private insurance companies.

The benefits offered in every Medigap policy are standardized and can be easily compared between insurance carriers. Visit our Plans page to view the different Medigap plans and benefits.

Eligibility

To be eligible for a Medigap plan, you must be enrolled in Medicare Parts A and B (Original Medicare) and either be 65 or older, or have a disability.

The best time to enroll is during your open enrollment period. Your open enrollment period lasts for six months and begins on the first day of the month in which you are both age 65 or older and enrolled in Medicare Part A and Part B. During this time, insurance companies are not allowed to deny you a policy or increase your premiums because of pre-existing conditions.

Under 65?

Depending on the state, you may be eligible for Medigap if you are under the age of 65 and have been receiving some form of disability benefits for 24 months or have been diagnosed with End Stage Renal Disease (ESRD). Federal law does not require insurance companies to sell policies to those under the age of 65. Some states require that insurance companies must offer at least one Medigap plan to those under the age of 65.