Medigap

Medigap (also called Medicare Supplement Insurance) is a type of private health insurance that is designed to supplement Medicare in the United States. Medigap insurance provides coverage for many of the co-pays and some of the co-insurance related to Medicare-covered hospital, skilled nursing facility, home health care, ambulance, durable medical equipment, and doctor charges.

Overview[edit | edit source]

Medigap's name is derived from the notion that it exists to cover the gap or gaps in the coverage benefits that are left uncovered by the original Medicare Parts A and B. There are 10 different Medigap plans, each represented by a letter (A, B, C, D, F, G, K, L, M, N). The coverage provided by each plan is different, but all plans must cover at least a portion of the following basic benefits: hospital coinsurance, copayments, and deductibles; the first three pints of blood needed in a medical procedure; and hospice care coinsurance or copayment.

Eligibility[edit | edit source]

To be eligible to enroll in a Medigap plan, one must be enrolled in both Medicare Parts A and B. A person may obtain a policy on a guaranteed issue basis during a six-month open enrollment period when they turn 65. No medical exam is required if one enrolls during this period.

Plans[edit | edit source]

There are 10 different Medigap plans, each represented by a letter (A, B, C, D, F, G, K, L, M, N). The coverage provided by each plan is different, but all plans must cover at least a portion of the following basic benefits: hospital coinsurance, copayments, and deductibles; the first three pints of blood needed in a medical procedure; and hospice care coinsurance or copayment.

See also[edit | edit source]

Medigap Resources
Need Help Finding a Doctor? Need help finding a doctor or specialist anywhere in the world? Explore our world directory. WikiMD's DocFinder can assist you in locating millions of physicians.	Medical Knowledge Access the latest research - Most recent articles Ongoing trials.