Medicare Supplement Insurance (Medigap)
Medicare Supplement Insurance, also known as Medigap, is coverage offered by private insurance companies to help pay for out-of-pocket costs not covered by Original Medicare. This includes copayments, coinsurance, and deductibles that you would otherwise be responsible for paying.
Medicare Supplement Insurance plans are standardized and must provide a core set of benefits, though some plans offer additional coverage. For example, certain Medicare Supplement Insurance plans may help cover emergency medical care if you become ill while traveling outside the United States.
Am I Eligible for a Medicare Supplement Insurance Plan?
To qualify for a Medigap policy, you must:
- Be enrolled in Medicare Part A and Part B
- Pay a monthly premium for your Medigap plan (in addition to your Part B premium)
- Understand that each policy covers one person, so spouses need separate plans
- Not be enrolled in a Medicare Advantage (Part C) plan—unless you switch back to Original Medicare (Parts A and B)
The best time to purchase a Medigap policy is when you turn 65 (or older) and first enroll in Medicare Part A and Part B, as this period offers the most flexibility and guaranteed access to coverage.
Need Help Navigating Medicare or Choosing a Medicare Supplement Insurance Policy?
Understanding Medicare and choosing the right coverage can feel overwhelming—but you don’t have to do it alone. Our team of licensed local agents is here to guide you through the process, helping you make confident, informed decisions about your healthcare needs.
We can help you:
- Understand your Medicare options and eligibility.
- Review plan costs, coverage, and benefits.
- Avoid late enrollment penalties.
- Compare Medigap policies and premiums.
- Determine if switching from Medicare Advantage to Original Medicare with a Medigap plan is the right choice.
- Find a plan that fits your healthcare needs and budget.
Get Personalized support from a trusted local professional. Call (210) 340-0777 (TTY:711) or text (726) 213-6777 for a free, no obligation consultation to help you navigate Medicare options.
*Disclaimer: This page has not been reviewed or endorsed by Medicare.gov or any member of the Centers for Medicare & Medicaid Services (CMS).