Medigap plans are private insurance policies that help cover the out-of-pocket costs Original Medicare leaves behind (deductibles, coinsurance).
Key points
- Only works alongside Original Medicare, not Medicare Advantage
- Standardized plan letters (like Plan G) offer the same coverage regardless of which insurer sells them
- Enrollment timing matters — your best guaranteed-issue window is typically right when you first enroll in Medicare Part B
Your State Health Insurance Assistance Program (SHIP) can help you compare Medigap plans for free and without a sales incentive.
This article is general information, not financial or legal advice. Rules, costs, and program details vary and change over time — confirm current specifics with a licensed financial advisor or elder law attorney before making a decision.