Medigap is a supplement policy designed to fill Medicare Part A and Part B coverage gaps.

Original Medicare is a fee-for-service health plan made up of two parts: 

Part A (Hospital Insurance) and Part B (Medical Insurance). 

A supplement policy (Medigap) eliminates or decreases out-of-pocket fees for inpatient and outpatient care services not covered by Original Medicare. Examples of these care services include:

• Short-term hospitalization,
• Doctor visit copays, 
• Health insurance deductibles, or 
• Coinsurance. 

Medigap also pays for services like health care when you travel outside of the United States. If you have Original Medicare, you must purchase a Medigap policy separately. 

 8 Things to Know About Medigap

The biggest advantage of Medigap may be your choice of doctors. You have more doctors and hospitals to choose from since you can go to any provider that accepts Medicare.

Medicare Advantage vs. Medigap

Medicare Advantage plans are an alternative to Original Medicare, while Medigap only supplements your Original Medicare benefits (also known as cost-sharing). You can choose to buy a Medicare Advantage plan or a Medigap supplement policy, but you cannot have both at the same time. 

If you initially sign up for Medicare Advantage and decide it isn’t right for you, you can switch to Medigap supplemental coverage.

It’s important to speak with a licensed and certified local insurance agent to help you find the best Medigap supplement policy for you personally.

Contact Your Local Insurance Agent Today 

There is a range of Medigap supplement policies available to fit your health needs and budget goals. To find out which Medigap supplement policy is right for you, contact me today at (912) 660-5236 or go online for a free quote and consultation. 

I am licensed in Georgia, South Carolina, Florida, Pennsylvania, and Alabama.