SUPPLEMENTARY

MEDICARE

Medigap

Supplemental Coverage

Out-of-Pocket Reduction: Medigap helps cover additional costs not covered by Original Medicare.

What is Supplemental Medicare (Medigap)?

Medicare Supplement, commonly known as Medigap, is additional insurance that people can buy to cover costs that Original Medicare (Parts A and B) does not fully cover, such as co-payments, co-insurance and deductibles. Medigap is offered by private insurance companies and is designed to work in conjunction with Original Medicare.

What's Included

Co-payments, Co-insurance, Deductibles, Wide Variety of Plans

Standardised Plans: There are different standardised Medigap plans (Plans A-N) that offer different levels of coverage, allowing beneficiaries to choose the plan that best suits their needs.

Flexibility in Selection: Each plan has a specific set of benefits, but all plans of the same type offer the same benefits regardless of the company that sells them.

Additional Benefits

No Provider Networks: You can see any doctor who accepts Medicare without the need for a specific network.

Simplicity and Peace of Mind

Simplified Billing: With Medigap, coordination of benefits simplifies billing and reduces paperwork.

Cost Consistency: Helps keep costs more predictable by covering certain Medicare expenses.

Who Benefits from Medigap?

Co-payments, Co-insurance, Deductibles, Wide Variety of Plans

Standardised Plans: There are different standardised Medigap plans (Plans A-N) that offer different levels of coverage, allowing beneficiaries to choose the plan that best suits their needs.

Flexibility in Selection: Each plan has a specific set of benefits, but all plans of the same type offer the same benefits regardless of the company that sells them.

Complementa Medicare Original:

Medigap acts as secondary coverage to Original Medicare, paying part or all of the costs not covered by Original Medicare.

Prescription Drug Coverage is not included:

For drug coverage, beneficiaries must enroll in a separate Medicare Part D plan.

Registration and Eligibility:

Open Enrollment Period: The best time to sign up is during the Medigap open enrollment period, which begins on the first day of the month you turn 65 and are enrolled in Medicare Part B.

Medigap Frequently Asked Questions