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Medicare Supplement insurance, also called Medigap, works alongside Original Medicare to help with certain out-of-pocket costs. Compare benefits, premiums and enrollment rules for your situation before choosing or changing a policy.
Medicare Supplement insurance, also called Medigap, helps pay certain costs left to you by Original Medicare. It works with Medicare Part A and Part B. It is different from Medicare Advantage and does not pay a Medicare Advantage plan’s deductibles, copayments or premiums.
Depending on the policy, Medigap may help with deductibles, copayments and coinsurance for Medicare-covered services. Benefits, availability and premiums depend on the plan and your circumstances. Review the actual policy terms rather than assuming every expense is covered.
Compare the monthly premium with the costs you may still pay when you receive care. Ask about pricing methods, possible future premium changes and any conditions attached to discounts. A sample price is not a personal quote.
Medigap policies sold after 2005 do not include prescription drug coverage. A separate Part D plan may be an option. Medigap generally does not cover long-term care, routine dental or vision care, hearing aids, glasses or private-duty nursing.
The federal six-month Medigap Open Enrollment Period begins the first month you are at least 65 and enrolled in Part B. Outside that period, underwriting may apply unless a guaranteed-issue right or additional state protection applies. These rules differ from Medicare’s annual enrollment periods. Confirm the timing and your state’s protections before replacing coverage.
Have your state, county, current coverage category and Part B start timing ready. Ask about the plan’s benefits, provider requirements, remaining costs and application process. Do not cancel existing coverage based only on a website inquiry.
An OG Insurance HQ team member can review your request and explain the next available step. Submitting a form does not enroll you in Medicare or issue a policy. Keep Medicare numbers, medical records and payment details out of public chat.
Official references: How Medigap works, Medigap coverage, and When you can buy a policy.
Medigap supplements Original Medicare and helps with certain costs left to you. Medicare Advantage is a private-plan way to receive your Medicare benefits. A Medigap policy cannot be used to pay a Medicare Advantage plan’s cost sharing. Compare the options and their rules before changing coverage.
Medigap policies sold after 2005 do not include prescription drug coverage. A separate Part D plan may be an option. Check your existing coverage and enrollment rules before making a change.
The federal six-month Medigap Open Enrollment Period begins the first month you are at least 65 and enrolled in Part B. Outside that period, underwriting may apply unless a guaranteed-issue right or additional state protection applies. Confirm your own timing and state rules.
Neither plan is automatically better for everyone. Compare the actual benefits, premiums, cost sharing and application requirements against your circumstances. An individual review is needed before choosing a policy.
Premiums can change. Ask the insurer about its pricing method, rate history and the policy’s terms. This page does not guarantee a current premium or a future rate.
Start with your county, state and coverage questions. The team can review the available next step. A request does not confirm eligibility, a premium or enrollment.