Are you looking to supplement your Medicare coverage? Medigap is an affordable and comprehensive way to do just that! Medigap provides a range of supplemental health insurance options that help to cover the costs of medical services that are not covered by Medicare. Read on ahead to know everything about Medigap! 

What is Medigap? 

Medigap is a type of supplemental health insurance that covers out-of-pocket medical expenses that are not covered by Medicare. These plans are offered by private insurance companies and medigaps are designed to fill in the “gaps” of coverage under Medicare. 

Medigap plans are standardized and the benefits are the same regardless of the insurance company. There are 10 standardized Medigap plans that are divided into letters A-N. Each plan covers different things and each plan has a different premium and cost-sharing structure. 

Medigap plans offered by private insurance companies help to cover the gaps in original Medicare, including out-of-pocket costs such as copayments, coinsurance and deductibles that are usually billed to the patient. Depending on the plan you choose, you may have coverage for medical expenses such as hospital care, doctor visits, Medicare Part B, skilled nursing care, and hospice care, among others. It is important to note that Medigap plans do not cover prescription drugs, long-term care, vision, hearing, or dental care.
supplemental health insurance

How Does Medigap Work? 

When you have a Medigap policy, you pay your Medigap premium each month, as well as when you receive health care services. If you are a Medigap policyholder, Medicare will send you two bills. One bill will be from Medicare for the services you received. The other bill will be from your Medigap insurance company for the costs your Medigap policy covers.

Things to Consider before Buying Medigap Plan

A Medigap plan can provide you with the coverage and assurance you need, but it is important to consider all of the factors before you make your purchase. Read the points ahead to make an informed decision. 

Medicare Coverage

Before you decide to purchase a Medigap plan, it is important to review your current Medicare coverage. Make sure you understand what your current coverage includes, and if it covers any services that you may need. If you do not have comprehensive coverage through Medicare, then a Medigap policy may be beneficial.


The cost of a Medigap plan can vary widely depending on the provider and the specific plan you choose. It is important to compare the cost of different plans from various providers to ensure that you are getting the best deal. Additionally, consider any additional fees or premiums that may be associated with the plan.


Different Medigap plans offer different levels of coverage. It is advisable to ensure you understand what each plan covers and how it may benefit you. Consider if the plan covers any services that you may need in the future, such as long-term care or prescription drugs.

Insurance Company Ratings

It is important to do some research on the insurance company before purchasing a Medigap plan. Check the company’s ratings with organizations such as A.M. Best, Moody’s, Standard & Poor’s and the Better Business Bureau to get an idea of the company’s financial stability and customer service reputation.

Claim Process

Before buying a Medigap plan, you should find out how the insurance company processes claims. Does the company have an online system? What is the process for filing a claim? How long does it take to receive a response? How easy is it to get help from the customer service representatives?

Pre-Existing Conditions

Make sure that the Medigap plan you are considering covers pre-existing conditions. Some plans do not cover pre-existing conditions at all, and others may have a waiting period. It is also important to check if there are any limits or restrictions on coverage for pre-existing conditions.

Waiting Periods

Medigap plans have waiting periods that may apply to certain benefits. It’s important to understand what the waiting periods are for the plan you’re considering, as some benefits may not be available until after a certain period of time. Depending on the plan, this may range from several months to up to a year.

Benefits for Travel and Expenses

Not all Medigap plans cover travel and other related expenses. It’s important to check the specific details of each plan to see what is and isn’t covered. Many plans will cover emergency care while you are traveling, but may not cover routine care.

Policy Exclusions

Before buying a Medigap plan, it is important to consider the policy exclusions. Each plan has its own set of exclusions that may limit what is covered. For instance, some plans may not cover prescription drugs or long-term care.Therefore, iIt is important to read the policy carefully to understand what is and is not covered.

Plan Options

Medigap plans come in several different options. Some plans may offer more coverage than others, so it is important to compare plans to find one that best fits your needs and budget. Consider the coverage options and any additional benefits offered when deciding on a plan.

Enrollment Periods

Medigap policies have specific enrolment periods, which can vary from state to state. In some cases, you may be able to purchase a plan outside of the enrolment period, but it may come with higher premiums. It’s important to be aware of the enrolment periods for the plan you’re considering, so you can take advantage of the best premium rates. With Medigap, you can have peace of mind knowing that you are covered for the medical services that you need. All you need to do is contact HealthMarkets Insurance by Eric Zawicki at 248-850-4000 to get started. We can help you find the best Medigap plan for your needs and budget.

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