Medicare Supplement (Medigap)
Medicare Supplement insurance—often called Medigap—is sold by private insurers to help pay some of the out-of-pocket costs Original Medicare does not cover. The Gluth Agency Insurance helps Northwest Indiana residents compare standardized plans in plain English.
Medicare Supplement insurance—often called Medigap—is sold by private insurance companies and is designed to help pay some of the out-of-pocket costs that Original Medicare does not cover, such as copayments, coinsurance, and deductibles.
Medigap plans are standardized by letter (for example, Plan G and Plan N) in most states, which means the benefits for a given letter plan are the same regardless of which insurance company sells it—though premiums and underwriting can differ. With a Medigap policy, you can generally see any doctor or hospital in the U.S. that accepts Medicare assignment, without network referrals.
Key things to know
- Helps with Original Medicare deductibles, copays, and coinsurance
- Standardized letter plans make it easier to compare
- See any provider nationwide that accepts Medicare
- Guaranteed renewable as long as you pay your premium
- Does not include prescription drug coverage (a Part D plan is separate)
Is a Medigap plan right for you?
- You want to see any doctor that accepts Medicare
- You prefer predictable costs for out-of-pocket gaps
- You travel and want nationwide provider flexibility
Frequently Asked Questions
What is the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage replaces how you receive your Part A and Part B benefits with a private network plan that often includes drug coverage and extras. Medicare Supplement (Medigap) works with Original Medicare to pay out-of-pocket gaps and lets you see any provider that accepts Medicare—but it does not include drug coverage. Neither is automatically better; the right choice depends on your doctors, prescriptions, budget, and travel.
Do Medigap plans cover prescription drugs?
No. Medigap plans sold today do not include prescription drug coverage. If you want help with medication costs, you would pair your Medigap policy with a separate Medicare Part D plan.
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