Medicare – Medigap Supplement Guide

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A Medicare Supplement Insurance policy, also known as Medigap Insurance is private health insurance that is designed to supplement Medicare Insurance. Medicare Insurance is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).

 (Part A and Part B) covers many health care services and supplies, but there are many costs (gaps) it doesn’t cover. These include, but are not limited to, monthly premiums, deductibles, co-payments, coinsurance, long-term care, routine dental care, dentures, cosmetic surgery, acupuncture, hearing aids, and exams for fitting hearing aids. You pay the full cost of services not covered by Medicare. 

 helps pay some of these health care costs that Original Medicare doesn’t cover. If you are in Original Medicare and you have a Medigap policy, Medicare will first pay its share of the Medicare-approved amounts for covered health care costs. After that your Medigap policy pays its share. (Note: Medicare doesn’t pay any of the costs for you to get a Medigap policy.)