Learn how Medicare Supplement (Medigap) coverage works and what it covers
Learn how to cover what Original Medicare doesn't
A Medicare Supplement plan, or Medigap policy, supplements your Original Medicare benefits.
These plans provide medical-only coverage, and benefits are guaranteed renewable as long as you pay your premium.
Enrolling in Medicare
Learn about Medicare eligibility requirements and how to enroll in Medicare.
Medicare Supplement (Medigap) plans
| How it works | What it helps cover | What you pay |
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Medicare Supplement plans, also known as Medigap, are designed to “close the gaps” in Original Medicare and pay for costs Original Medicare doesn’t cover. You’ll also have the freedom to travel or live anywhere in the United States and receive plan benefits from any provider that accepts Medicare assignment. |
Medigap plans help cover your Medicare copays, coinsurance and deductibles. Each type of Medigap plan has a different set of benefits and premiums, and, for an additional premium, some plans offer optional coverage. |
Costs vary depending on the plan you choose, and you must continue to pay your Part B premium along with your monthly Medicare Supplement plan premium, deductibles, copays and coinsurance. |
What you should know
- To enroll in a Medicare Supplement plan, you must be eligible for Medicare Part A and enrolled in Part B.
Medigap plans do not include prescription drug coverage, so you’ll need to sign up for a stand-alone Part D prescription drug plan to avoid a penalty.
- If you apply for a Medigap plan more than six months after the month your Part B coverage begins, you may be required to submit a health history with your application.
Medicare doesn't have to be hard
Our Blue Cross Advisors are here to:
- Help you learn about Medicare basics and our plans
- Assist you in finding a plan that meets your needs
- Help you enroll in a plan
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Learn the essentials of Medicare
Use this guide to make understanding Medicare easier. It covers the essentials you'll need to know, like the four parts of Medicare, when to enroll and how to avoid penalties.
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