Aligning your needs with Medigap’s benefits


Medigap is a supplemental insurance available to Medicare enrollees. The policies are sold by private insurance companies such as ours. They can help pay some of the health care costs that Medicare doesn’t cover, like copayments, coinsurance and deductibles. Some policies will also cover select services that Medicare won’t, including health care when you travel abroad. But Medigap does not cover long-term care, vision or dental care, hearing aids, eyeglasses or private nurses.

Medicare is considered your primary insurance. It will be applied to a given cost first. Medigap will then pay any remaining balance, including the deductible, depending on the policy.

There are 10 standard Medigap policies, each of them named after a letter from the alphabet. Medigap A is california health exchange for small businessconsidered the most basic policy. It extends complete coverage for Medicare Part A coinsurance and hospital costs, Medicare Part B coinsurance or copayments and Part A hospice care coinsurance or copayment. The other nine policies cover those benefits as well as variations of others. Medigap N, for example, is the most comprehensive, offering complete coverage of Part A hospice care coinsurance/copayment, nursing facility care coinsurance and the Part A deductible. Every plan extends total coverage to Part A coinsurance and hospital costs up to an additional year after Medicare benefits are used up.

There is no difference between Medigap policies among insurers. The plans’ details are dictated by the federal and state governments. The only difference is in the providers, which vary from insurer to insurer. That, however, does not mean that the pricing is also standardized.

Once you’re enrolled— Medigap policies are only available to individuals, so you and your spouse will need to enroll separately—you pay us a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare. (You must have Medicare Part A and Part B to register for Medigap coverage. If you receive benefits under the Medicare Advantage Plan, you need to end your coverage before your Medigap policy takes effect.) And any standardized Medigap policy is guaranteed to be renewed, regardless of any health issues, as long as the premium is paid according to schedule.


To begin a cursory review of Medigap plans by insurer, visit our Applications page. As questions arise or you begin to consider a Covered California plan and enrollment, contact us for a free evaluation.