Medigap
Private insurance policies that fill the 'gaps' in Original Medicare coverage — paying for Part A and B deductibles, coinsurance, copayments, and in some plans, foreign travel emergencies.
Sold by private insurers, standardized by federal law into 10 plan types (A through N). Best time to buy is during your Medigap Open Enrollment (the 6 months starting when you enroll in Part B at 65) — guaranteed issue with no medical underwriting.
→ Medigap does not include drug coverage — pair with a Part D plan.
Also known as
Take the next step
Frequently asked questions about Medigap
What is Medicare Supplement Insurance (Medigap)?+
Private insurance policies that fill the 'gaps' in Original Medicare coverage — paying for Part A and B deductibles, coinsurance, copayments, and in some plans, foreign travel emergencies. Sold by private insurers, standardized by federal law into 10 plan types (A through N).
Who qualifies for Medigap?+
Best time to buy is during your Medigap Open Enrollment (the 6 months starting when you enroll in Part B at 65) — guaranteed issue with no medical underwriting.
How do I apply for Medigap?+
Most people are enrolled automatically at 65. To pick a plan or sign up manually, go to medicare.gov or call your free SHIP counselor.
Where can I get help?+
Call your free State Health Insurance Assistance Program (SHIP) for one-on-one Medicare counseling at no cost, or compare plans at medicare.gov.